We Can Help You Avoid Foreclosure. We Buy Houses As-Is
Are you facing foreclosure or a short sale on your home? If so, it is possible to avoid foreclosure by selling your house to a local home buyer. House Today Cash Tomorrow can look at your house, make a fair cash offer in 24 to 48 hours, and close on the sale in as little as seven days. We are local home buyers in Southern California that can help you get out of your mortgage.
If you try to sell your house the traditional way, it can take you several months to make the necessary repairs, list your house on the market, and find a buyer. Call 877-221-8080 and get a fair cash offer. We buy houses in Orange County, Riverside County, Los Angeles County, and throughout Southern California.
How to Sell My House Fast in 3 Easy Steps
Step 1: Contact Us
Before you contact a real estate agent, call us first. You can schedule a quick walkthrough of your property whenever it is convenient for you. There is no obligation or pressure to sell. We can look at the property and decide if we want to buy it. If so, we will make an offer.
Step 2: Get a Fair Cash Offer
If we like what we see, we'll make a fast cash offer within 24 to 48 hours. You don't have to wait for several days to land a deal. We make a fair offer that is just below the current real estate market value of your house. Once we make an offer, we never change it.
Step 3: You Get Paid
If you accept our offer, we schedule a closing date that is convenient for you. We show up, sign the paperwork, and pay all closing costs. You can close in as little as seven days. Working with a local home buyer is easier than selling your house in the traditional way.
Understanding the Foreclosure Process in California
When you miss the first two or three mortgage payments, there is a grace period. Your bank may send you a reminder and assess a late fee before any moving forward with foreclosure proceedings. You may be able to make it up the next month, but it can be tough with the late fees and interest. It is easy to fall even further behind, which puts your home at risk.
The exact point at which your loan is at risk of foreclosure depends on the terms of your loan agreement. For most mortgages in California, it happens when you're 90 days late.
Notice of Default
When your home loan is in default, the bank files a Notice of Default with the court. They must let you know they've filed it within ten days. The notice includes information about your options for getting out of default. For example, you can pay all the back payments, along with interest and fees, to get out of default. You'll also need to keep up your insurance and property taxes.
According to federal mortgage laws, the lender must wait 120 days before sending the first notice or before they file a judicial or nonjudicial foreclosure. If you don't have the cash to pay back the late amount, the home will stay in a continued state of default.
Notice of Trustee Sale
After you receive a Notice of Default, you have three months to bring the loan current. After three months, the bank may set a date for the auction of your home. You will be notified that this has happened through a Notice of Trustee Sale that is typically sent to you via certified mail.
After you've received a Notice of Trustee Sale, the bank can set a date for the auction. The lender must wait at least 20 days after the Notice of Trustee Sale is sent to you. The sale may be postponed by a court or by the bank for up to a year. From there, they will send you a new Notice of Trustee Sale to send the house to auction.
What Are the Consequences of Foreclosure?
A foreclosure can hurt you and your family financially in the following ways:
- Drop your credit score by as much as 100 points
- Prevent you from buying a house up to three years
- Keep you from getting a loan of any kind for up to years
- Make it difficult for you to find another place to live
- Forgiven debt viewed as taxable income by the IRS
In addition, you may still owe the lender after the house is sold. If the remaining balance of the debt is not sold after a short sale, auction, or distressed house sale, the lender may come after you for the amount still owed on the mortgage.
Benefits of Selling Your House to House Today Cash Tomorrow
Sell Your House Fast As-Is
If you sell your house the traditional way, you may have to wait 60 to 90 days before finding a buyer. We can make an offer within 24 hours and close on the sale in as little as seven days. If you are in a situation where you need to sell your house immediately, we can help.
We Simplify the Process
There is nothing easy about selling your house in the traditional way. You have to list the house, find a realtor, make repairs, and show the house to multiple potential buyers. We eliminate all the steps and create an easier path to selling your house.
You Avoid Selling Expenses
When you go through a realtor, you incur a wide range of expenses, including marketing, repairs, renovations, closing costs, and realtor commissions. It costs you nothing to sell your house as-is to a local home buyer. You can pocket that money at closing.
We Know the California Market
House Today Cash Tomorrow buyers know the local real estate market. We understand the challenges of selling your home and know the real value of your property. We will make you a fair cash offer based on a healthy percentage of your house's current market value.
We Are Local Home Buyers in Southern California
At House Today Cash Tomorrow, we work with homeowners across the Southern California area. Here are some of the areas that we buy houses in:
Contact House Today Cash Tomorrow to Sell Your House
You don't have to wait to unload your property. If you need to sell your house fast, contact House Today Cash Tomorrow. We are local home buyers. Call 877-221-8080 and get a fair cash offer. We buy houses in Orange County, Riverside County, Los Angeles County, and throughout Southern California.