The Clock Is Ticking on Every Missed Payment
Under federal regulations, your lender must wait 120 days after your first missed payment before filing foreclosure. After that, the process moves forward — and every month adds late fees, attorney costs, and credit damage. Selling before your lender files gives you the best possible outcome.
What a Pre-Foreclosure Cash Sale Looks Like
- You call us — tell us your situation confidentially. How far behind, what you owe, the property's condition.
- We evaluate — we review your payoff situation and the property.
- Cash offer — you see exactly what you'd walk away with after your mortgage is paid off.
- Close fast — as few as 7-14 days. The title company pays your lender directly at closing.
- Clean break — no foreclosure on your record, no deficiency judgment, cash in your pocket.
State-Specific Guides
Foreclosure processes, timelines, and protections differ significantly between Indiana and Kentucky:
Indiana
Foreclosure Type
Judicial (sheriff sale)
Pre-suit Notice
30 days (IC 32-30-10.5)
Post-Sale Redemption
None
Typical Timeline
150-200+ days
Kentucky
Foreclosure Type
Judicial (commissioner sale)
Answer Period
20 days after service
Post-Sale Redemption
6 months (conditional)
Typical Timeline
6-12 months