Stop My Foreclosure answers your questions

It is the legal process a bank initiates when you stop paying your mortgage. If you don’t act in time, you could lose your home at auction.

There are several options, from negotiating with the bank to selling your property before it reaches auction. We help you find the best solution for your case.

It’s when you sell your home for less than what you owe on the mortgage, with the bank’s approval. This option helps prevent foreclosure and minimizes damage to your credit.

• Avoid eviction and foreclosure consequences.
• educe damage to your credit score.
• Negotiate debt forgiveness on the remaining balance.

If you are facing financial hardship and owe more than your home’s value, you may be eligible.

Your credit score can drop significantly, making it harder to secure future loans. A short sale typically has less impact than a foreclosure.

We evaluate location, property condition, and recent sales in your area to offer a fair and competitive price.

We provide a cash offer within 24-48 hours.

No. We do not charge commissions, fees, or hidden costs.

A real estate agent looks for buyers, which can take months and involves commission fees. We buy your home directly, in cash, without waiting.

You decide. We can close in just a few days or adjust to your timeline.

No. Our offer is no-obligation, and you decide whether to move forward.

Yes, but it depends on your financial situation and the loan type you seek. After a short sale, some lenders may require a waiting period of at least three years. For a foreclosure, the wait may be up to seven years. However, programs exist to help you qualify sooner.

If you’re struggling with mortgage payments, a short sale is usually the better option. While both affect your credit, foreclosure has a more severe impact and can make future borrowing difficult. A short sale also allows for better negotiations with the bank, avoiding legal foreclosure proceedings.