Save Your Equity Before Foreclosure Takes It!
Even if you're behind on payments, facing a foreclosure notice, or just received an auction date — you still have options that protect your equity and financial future.
What Most Homeowners Don’t Know
When you fall behind on mortgage payments, it’s easy to feel like the bank has all the power. But in reality — YOU still own the home, and in many cases, you still have equity that can be protected or turned into cash.
Preforeclosure doesn’t automatically mean loss.
There are three powerful options that allow you to save your equity, avoid the foreclosure hit to your credit, and move forward with dignity:
✔ Listing the Property
✔ Subject-To / Creative Finance
✔ Fast Cash Offer
OPTION 1: Listing Your Home
Sell on the Market to Maximize Your Equity
If you have time before your auction date, listing the property is one of the strongest ways to protect your equity.
How listing helps:
- You get full market value (often the highest equity capture)
- Stops the foreclosure as long as the sale closes before auction
- Buyers can be found quickly, even with tenants, repairs needed, or behind on payments
- Your missed payments are simply paid off at closing
- You keep the remaining equity as profit
Perfect For:
- You have 30–90 days before auction
- The home is in fair condition
- You have equity or rising market value
- You want to walk away with the maximum possible amount
OPTION 2: Subject-To / Creative Finance
Keep Your Equity While We Take Over the Payments
Subject-To (also called creative finance) is a powerful tool for homeowners who:
- Are behind on payments
- Have little time before auction
- Want to protect their equity
- Want to avoid credit damage
- Don’t qualify for a loan mod or repayment plan
What is Subject-To?
A buyer (like us) takes over your existing mortgage payments in your name, while ownership transfers to us.
Your loan stays in place — but we bring the loan current, catch up the arrears, prevent the foreclosure, and make payments continuously to the lender.
Why homeowners choose Subject-To:
✔ Stops foreclosure immediately
✔ Saves your equity
✔ No bank approval needed
✔ You avoid damage to your credit
✔ You may receive a lump-sum equity payment
✔ No repairs or updates required
Real Example:
A homeowner 4 months behind owed $12,000 in arrears. Instead of losing the home at auction for zero, we caught up the loan, took over payments, and paid her $27,000 in equity at closing.
OPTION 3: Fast Cash Offer (When Time Is Short)
If you’re within 2–30 days of auction or need a no-hassle exit, a cash offer may be your strongest option.
How a cash offer works:
No repairs
No inspections
We buy as-is
We stop the foreclosure process
You walk away with any remaining equity
Even if you’re behind on payments, liens, or facing a fast-approaching sale date — we can typically still save the equity you have left.
Why homeowners choose this option:
✔ Fastest route to stopping foreclosure
✔ No closing costs
✔ No agent fees
✔ Guaranteed timeline
✔ Cash in your pocket
✔ Relief from stress
How Each Option Protects Your Equity
Option
Equity Saved
Speed
Credit Impact
Ideal Scenario
Listing on Market
Highest
Medium
Low
Time before auction + equity
Subject-To / Creative Finance
Medium–High
Fast
Very low
Behind on payments or no listing time
Fast Cash Offer
Medium
Very fast
Low
Auction soon or property needs repairs
You don’t have to lose your equity — or your future — to foreclosure. These three options put you back in control, even if you’re behind, stressed, or feel like the bank has backed you into a corner.
We’ll Show You Exactly How Much Equity You Can Still Save
Before you lose your home or your equity, talk with a specialist who can review your loan, auction timeline, equity position, and which option gives you the most money and protection.
You’ll learn:
Your current equity
Which options you still qualify for
How fast we can stop the foreclosure
What your payout could be
CONTACT US TODAY! (470) 516-2603
FAQ
Can I still save my equity if I’m more than 3 months behind?
Absolutely. Subject-to and cash offer options work extremely well in this scenario.
What if my auction date is already scheduled?
You still have options — especially creative finance and cash offer.
Does it cost me anything?
No. You don’t pay anything out of pocket for ANY of these equity-saving options.
Will listing work if the home needs repairs?
Yes — but creative finance or cash offer may net you more if time is limited.
Do these options hurt my credit?
No — all of these options protect your credit from a foreclosure hit.
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