— Clear process. Real options.
Your auction date is a hard deadline. Here is what it means.
No forms to sign. No pitch. Just a clear read of your legal position and the choices that are still on the table.
Foreclosure moves on a fixed legal clock. Before any paperwork, we walk you through exactly where you stand in that timeline and what options remain open at this stage.
/ The foreclosure clock
Three stages. Each one closes a door.
Stage 1 — Notice of Default
Stage 2 — Notice of Sale
Stage 3 — Auction Date
An auction date is set — typically 21 days out. The window narrows. Reinstatement and negotiated exits are still possible but time-sensitive.
Your lender files publicly. A 90-to-120-day window opens. This is the widest point — the most options are available here.
The hard stop. Once the gavel falls, ownership transfers. The days before this date are the last point of intervention.
Options still on the table
Limited options are not zero options.
Structured Repayment
Negotiated Sale
Deed-in-Lieu
Selling before auction — at or below market — stops the public record from compounding. You control the exit instead of surrendering it to the courthouse steps.
Transferring title directly to the lender avoids auction and may eliminate remaining mortgage liability. Lender approval is required; eligibility depends on your loan type.
If you can resume payments, a lender-negotiated repayment plan may allow you to cure the default and retain ownership. Timing and arrears determine eligibility.
We explain where you stand before we ask anything of you.
Tell us your stage and your auction date. We respond within one business day with a plain-language read of your specific situation.