Pre-foreclosure · Richmond, VA
Behind on the mortgage in Richmond? There's still time.
If a foreclosure auction is coming up — or you've just gotten the first Notice of Default — selling before the sale date can protect your credit and pull any remaining equity out. We move fast, talk to your lender for you, and tell you the truth about what's possible.
Who this is for
We help Richmond-area homeowners in situations like these.
- You've fallen behind on payments and the letters are getting serious.
- You've received a Notice of Default or auction date.
- Loan modification didn't work or you don't qualify.
- You need to protect your credit before foreclosure hits.
- You have equity and want to preserve it instead of losing it at auction.
How it works
Straightforward, no hidden steps.
Step 1
Same-day call
Call (540) 259-1195. We'll figure out where you are in the timeline.
Step 2
Coordinate with the lender
With your permission we pull the exact payoff and any reinstatement options.
Step 3
Close before the sale date
We can close in as little as 14 days — often before the auction is final.
A real person
Talk to Sarah directly. No middlemen, no call centers.
Licensed Virginia realtor and active investor. I personally walk every property and write every offer. No assignments, no surprise discounts at closing.
Common questions
Quick answers.
Can I sell my house if I'm behind on payments?
Yes — and the sooner the better. Once a foreclosure auction is on the calendar, options narrow fast. We can usually close before the sale date if there's time.
Will selling stop the foreclosure?
If we close before the auction and pay off the lender at closing, yes. We coordinate directly with your mortgage company to get the exact payoff.
What about my credit?
A completed sale before foreclosure is far better for your credit than the foreclosure itself. It also stops the late-payment reporting.
Will I get any money out of it?
Depends on equity. We run the math honestly — payoff, liens, closing costs — and show you what walks away with you.
Do I have to talk to the bank?
No. With your permission we talk to the loss-mitigation department directly so you don't have to.