Fastest Ways to Sell Your House Before Foreclosure

Below are the most efficient options to stop foreclosure in New York — ranked from fastest to slowest.

1. Sell to a Local Cash Home Buyer (Fastest & Easiest Method)

Selling to a reputable New York cash buyer is by far the fastest way to stop foreclosure.

Here’s why:

• No repairs needed

• No inspections

• No agents or commissions

• No showings

• No waiting for buyer financing

• You choose the closing date

• Cash buyers can close in as little as 7 days

• Your foreclosure process can be paused or completely stopped

Signature Home Buyers works directly with homeowners facing foreclosure, even if:

• You have no equity

• You’re behind on payments

• You need to close quickly

• You need help dealing with the bank

This option is ideal when time is running out and you cannot wait for a traditional sale.

2. Request a Short Sale (Fast when managed correctly)

If you owe more than your home is worth or can’t catch up on payments, a short sale may be an option. This is when your lender agrees to accept less than the full loan amount.

Benefits:

• Avoids foreclosure

• Limits long-term credit damage

• Allows you to start fresh

Challenges:

• Requires lender approval

• Paperwork-heavy

• Can take weeks or months unless handled by experienced negotiators

Signature Home Buyers has experience working with lenders to facilitate short sales quickly and can help guide you through the process.

3. Sell With a Real Estate Agent (Slower, but possible)

A traditional listing can work only if:

• Your foreclosure sale date is far away

• Your home is in good condition

• The market is strong

• You don’t need to sell immediately

The average New York home sale takes 45–90+ days from listing to closing. If your foreclosure deadline is approaching, this may not be fast enough.

Plus, repairs, showings, inspections, and buyer financing delays can slow things down even further.

4. Catch Up on Payments (If financially possible)

If your lender allows it, you may be able to:

• Reinstate the loan

• Set up a repayment plan

• Request forbearance or loan modification

This option is only realistic if:

• You can afford the past-due amount

• Your income is stable again

• You are early in the foreclosure timeline

If you cannot catch up, selling quickly is your best option.

5. File Bankruptcy (Last resort & not a sale)

Chapter 13 bankruptcy temporarily stops foreclosure and allows you to restructure payments. However:

• It stays on your credit for 7 years

• Payments may be high

• It does not solve the long-term issue

• It delays — but does not prevent — foreclosure

Most homeowners prefer selling quickly over filing bankruptcy.

Why Speed Matters When You’re Facing Foreclosure

Acting quickly can:

• Stop the foreclosure process

• Save your credit

• Protect your ability to rent or buy in the future

• Allow you to walk away on your own terms

• Prevent a sheriff’s sale

• Avoid a deficiency judgment (owing money even after foreclosure)

Once the home goes to auction, your options become limited and stressful. A fast sale gives you control again.

Why Signature Home Buyers Is the Fastest Way to Sell Before Foreclosure

Signature Home Buyers specializes in helping homeowners who are:

• Behind on mortgage payments

• Facing foreclosure

• Underwater on their mortgage

• Dealing with liens or judgments

• Needing to move quickly

• Not able to repair the home

• Wanting a simple, hassle-free solution

Here’s how the process works:

1. Contact us for a free consultation

We review your situation and timeline.

2. Get a fair cash offer

No pressure. No obligations.

3. We work with your lender

Our team can help stop the foreclosure process and negotiate if needed.

4. Close on your timeline

In many cases, we can close in 7–14 days or whenever works best for you.

5. Walk away stress-free

You get cash, avoid foreclosure, and move forward with your life.

No repairs. No commissions. No surprises.

What’s the Fastest Way to Sell Your House Before Foreclosure?

Selling to a local New York cash buyer is the fastest and most reliable way to stop foreclosure.

Here’s why:

• You get a quick, guaranteed sale

• No appraisals or financing

• No repairs or cleaning

• No agent fees

• Closings in days, not months

• Help with lender communication

If you’re running out of time or just want a fast, stress-free solution, Signature Home Buyers is here to help you take control and avoid foreclosure — no matter your situation.