Facing Foreclosure in Augusta, GA?

Getting a foreclosure notice is scary, and Georgia moves fast. You still have options. Some let you keep the house, and if keeping it doesn't make sense, we can buy it as-is and close before the sale date when possible.

Close in as few as 14 days, or on the date you choose, before a first-Tuesday sale when possible
Your mortgage paid off at closing
Any condition, no repairs or cleanout
No commissions, and we pay the closing costs

Prefer to talk? Call or text (706) 397-4774

Get a cash offer on the house

Why Timing Matters So Much in Georgia

Most Georgia home loans use a security deed with a power of sale. That lets the lender foreclose without going to court, which is called non-judicial foreclosure. It's one of the quickest processes in the country.

Federal rules generally keep a servicer from starting foreclosure until you're more than 120 days behind.
Georgia requires a written notice of the sale at least 30 days before it happens, and the sale is advertised in the county's legal newspaper.
Foreclosure sales are held on the first Tuesday of the month at the county courthouse.
Georgia doesn't give homeowners a right to buy the house back after the sale.

We cover every step in detail in our guide, How Foreclosure Works in Georgia. The short version: the sooner you act, the more choices you have.

North Augusta and Aiken homeowners: South Carolina uses judicial foreclosure. The lender has to file a lawsuit, and the process usually takes longer than in Georgia. That extra time is worth using.

We're not attorneys and this isn't legal advice. If a sale date has been set, talk to a Georgia or South Carolina real estate attorney or a HUD-approved housing counselor about your exact deadlines.

Your Options to Stop or Avoid Foreclosure

Reinstate the loan. Pay the missed payments plus late fees and costs to bring the loan current. Many loans allow this up to a point before the sale. Ask your servicer for a written reinstatement quote.
Ask for a loan modification. The lender changes the loan terms, such as the rate or length, to make payments affordable. Send a complete application as early as you can. A complete application received more than 37 days before a sale generally means the servicer can't hold the sale while it reviews you.
Ask for forbearance or a repayment plan. If the hardship is temporary, like a job loss or medical bills, your servicer may pause or lower payments for a while, then spread the missed amount out.
Talk to a HUD-approved housing counselor. They're free, and they can help you understand your options and talk to your servicer. Find one at hud.gov/findacounselor or call 800-569-4287. Be wary of anyone who asks for an upfront fee to "save" your house.
Sell before the sale date. If you have equity, selling pays off the loan and puts the rest in your pocket, instead of losing it at the courthouse. It also avoids a completed foreclosure on your record.
Short sale or deed in lieu. If you owe more than the house is worth, the lender may accept less than the full payoff, or take the house back without a foreclosure sale.

For more detail on working with your servicer, see 7 options if you're behind on your mortgage. We'll tell you honestly if one of these makes more sense for you than selling.

How Selling to Us Works When a Sale Date Is Set

Call or text us right away. Tell us the address and the sale date if you have one. Call or text (706) 397-4774.
Get a cash offer. We look at the house and make a cash offer within 24 hours, as-is. No repairs or cleaning.
We get the payoff. The closing attorney orders the payoff from your lender, including past-due amounts and fees, so you know the numbers before you decide.
Close at a local closing attorney. Your loan is paid off from the sale, and whatever is left after the payoff and any liens is yours.

We're a local, family-owned company with an office at 3070 Damascus Rd in Augusta. We've bought over 100 houses since 2019, and we're rated 5.0 on Google. We're not real estate agents, and there's no obligation to accept our offer.

Foreclosure Questions

Can I still sell my house if it's scheduled for a foreclosure sale?

Often, yes. If the sale closes and your loan is paid off before the foreclosure date, the foreclosure stops. Because Georgia sales happen on the first Tuesday of the month, call as early as you can.

How fast can you close?

Because we pay cash and don't need repairs or a lender, we can often close quickly enough to beat a scheduled sale date. The closing is handled at a local closing attorney, and your lender is paid directly from the sale.

What if I owe more than the house is worth?

Selling for cash may not cover the loan. In that case your lender may consider a short sale or a deed in lieu of foreclosure. A HUD-approved housing counselor can help you ask, at no cost.

Does applying for a loan modification stop the sale?

Under federal mortgage servicing rules, if you send your servicer a complete application more than 37 days before a scheduled sale, the servicer generally can't hold the sale while it reviews you. There are exceptions, so confirm with your servicer or a counselor.

Is foreclosure different in South Carolina?

Yes. South Carolina uses judicial foreclosure, meaning the lender has to go through the court. It usually takes longer than in Georgia, but acting early still gives you the most options.

Related Help

Foreclosure often comes with other problems. These pages may help: behind on property taxes, an inherited house with a mortgage, a rental with tenants, and local foreclosure and housing resources. We buy in Augusta, Evans, Martinez, Grovetown, North Augusta, Aiken and the rest of the CSRA. Or see how we work when you need to sell your house fast in Augusta.

What Sellers Say About Working With Us

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Get My Cash Offer Call or text (706) 397-4774