Facing Foreclosure? You Still Have Options
If you're behind on your mortgage payments and facing foreclosure, you're probably feeling overwhelmed, scared, and maybe even embarrassed. Those feelings are completely normal - but staying paralyzed by them could cost you everything.
Here's the reality: If your home goes to foreclosure auction, you'll lose any equity you have in the property, your credit score will take a devastating hit (a foreclosure stays on your credit report for 7 years), and you'll face serious difficulty buying another home or even renting in the future.
But foreclosure isn't inevitable: If you still have equity in your home and you act quickly, you can sell before the foreclosure happens - protecting both your credit and your equity.
Time is critical, but you still have options.
How Selling Before Foreclosure Protects You
When you sell your home before foreclosure is complete, you avoid the worst consequences:
Protect Your Equity: If you have equity in your home (meaning it's worth more than you owe), selling allows you to capture that value. In a foreclosure, you lose it all.
1
Protect Your Credit
A foreclosure on your credit report is devastating and lasts 7 years. Selling before foreclosure prevents this massive hit to your credit score. While being behind on payments does affect your credit, it's far less damaging than a completed foreclosure.
2
Avoid Deficiency Judgments
In some cases, if your home sells at auction for less than you owe, the lender can come after you for the difference. Selling beforehand lets you negotiate closure and avoid this risk.
3
Maintain
Contro
In foreclosure, you have no control over the process or timeline. By selling proactively, you control what happens next.
4
Move Forward With Dignity
There's no shame in selling your home when circumstances change. It's a smart financial decision that protects your future.
Why Pre-Foreclosure Homeowners Choose Oak Tree Home Buyers
We specialize in helping homeowners sell quickly before foreclosure. Here's how we help:
Close Fast - Sometimes in Days: We can close in as little as 7 days if needed. When the foreclosure sale date is looming, speed matters. We have cash ready and can move as quickly as your situation demands.
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No Repairs Needed: You don't have time or money to fix up the house. We buy it exactly as it is - no repairs, no updates, no cleaning required.
We Handle the Lender: We have experience working with lenders in pre-foreclosure situations. We can help facilitate the payoff process and ensure everything is handled properly.
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No Fees or Commissions: Every dollar matters in your situation. You won't pay agent commissions or closing costs. The offer we make is what you receive.
Compassionate, Honest Process: We understand this is a difficult situation. We're not here to take advantage - we're here to provide a legitimate solution that helps you move forward with your life.
How Much Time Do You Have?
The foreclosure timeline in Georgia works like this:
After you miss payments, your lender will typically send notices and attempt to work with you (loan modification, forbearance, etc.). This can last several months.
If those options don't work, the lender files a notice of foreclosure and publishes it in the local newspaper for 4 consecutive weeks.
The foreclosure sale happens on the first Tuesday of the month at the county courthouse. Once the gavel drops, it's too late - the home is sold.
Bottom line: From the time you receive official foreclosure notice to the sale date, you typically have 4-6 weeks. That's not much time, but it's enough if you act now.
Our Process for Pre-Foreclosure Sales
Step 1: Contact Us Immediately: Call or fill out the form. Tell us your situation - how far behind you are, when the foreclosure sale is scheduled (if you know), and how much you owe.
Step 2: Quick Evaluation: We'll need to see the property (or at minimum get photos) and verify the payoff amount with your lender. This can often happen within 24 hours.
Step 3: Cash Offer: We'll make you a cash offer based on the property's value and what you owe. You'll know exactly what you'll net after the mortgage is paid off.
Step 4: Fast Closing: If you accept, we move immediately. We can close in as little as 7 days if the situation demands it. We handle all the coordination with your lender to pay off the mortgage and stop the foreclosure.
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Step 5: Fresh Start: You walk away with your equity (if any), your credit protected, and the stress of foreclosure behind you.
Serving the Counties Southest of Atlanta
We help homeowners facing foreclosure throughout Henry County, Newton County, Rockdale County, Clayton County, Walton County, Butts County, Spalding County, Monroe County, Lamar County, and parts of Dekalb County - including McDonough, Covington, Conyers, Lithonia, and all surrounding areas.
You're Not Alone, and This Isn't Your Fault
Life happens, Circumstances change, Job loss, medical crisis, divorce, business failure - these things happen to good, responsible people every day.
There's no shame in falling behind on your mortgage. The only mistake is ignoring the problem and letting foreclosure happen when you have other options.
At Oak Tree Home Buyers, we believe in Extreme Ownership, Authenticity, and Stewardship. That means we tell you the truth about your situation, we follow through on our commitments, and we treat you with respect during a difficult time.
We're not predatory investors looking to exploit your hardship - we're local business owners who believe in improving lives, neighborhoods, and communities, one home at a time.
But I Don't Have Any Equity" - Can We Still Help?
Maybe. It depends on your specific situation.
If you owe more than the home is worth (called being "underwater"), a traditional sale won't work - you'd need to bring money to closing to cover the difference.
However, you might qualify for a short sale, where the lender agrees to accept less than you owe. We have experience with short sales and can help you explore this option. It's more complicated and takes longer, but it still protects your credit better than foreclosure.
If you have equity (even a little), selling makes clear financial sense. You walk away with that equity in your pocket instead of losing it.
Call us to discuss your specific situation. Even if we can't buy your home, we'll be honest about what options might work for you.
Don't Wait - Every Day Matters
If you're facing foreclosure, the single worst thing you can do is nothing. Every day you wait reduces your options and moves you closer to losing everything.
Call us right now: This is too important to put off.
Even if it's after hours, leave a message or fill out the form. We check messages constantly and will get back to you immediately.
You still have options. Let us help you explore them.
Call us at 770-626-4550 or fill out the form below. Do it now - before it's too late.
