Missing one mortgage payment doesn't feel like an emergency. Missing two starts to feel like one. By the time the third notice arrives, the certified mail, the attorney letters, the servicer calling multiple times a day, the window to act is closing faster than most homeowners realize. Maryland and Virginia each have their own foreclosure timelines, but in both states, the moment the process starts moving, it moves fast. I'm here to help you get ahead of it.
This page is specifically for homeowners in the pre-foreclosure window, 1, 2, or 3 missed payments, maybe a notice of default, but the house hasn't gone to auction yet. That distinction matters because in this window, you still have real leverage. You can sell on your own terms, pay off the lender in full, protect your credit from the worst of the damage, and walk away with whatever equity remains instead of losing it all at the courthouse steps.
I can close in as little as 7 days. No bank approval required on my end. No appraisal contingency. No inspection that triggers repair demands. I make a cash offer based on the property's current condition and close on the timeline the situation requires. The back payments, penalties, and any other outstanding amounts get cleared at the closing table, you don't have to come current first.
The number one mistake I see in this situation is waiting. Homeowners tell themselves they'll catch up next month, or that the servicer will work something out, or that a refinance is coming through. Sometimes that's true. Often it isn't, and every month that passes adds more fees, more damage to the credit profile, and fewer options on the back end. If there's any chance you're heading toward foreclosure, call me now and let's talk through what the numbers look like.
Maryland and Northern Virginia are where I'm most active, but I buy across Maryland, Northern Virginia, Richmond, Hampton Roads, Roanoke, and Lynchburg. No commissions, no closing costs on your end, no judgment. Fill out the form below and I'll call you today.
