Contact your mortgage servicer promptly and ask about available loss-mitigation options. A HUD-approved housing counselor can provide guidance. A possible sale depends on timing, payoff amounts, liens, title, and any lender approvals; a real estate inquiry does not stop foreclosure.
Find out where the loan stands
Get the current amount required to resolve the delinquency or pay off the loan, and keep notices and deadlines. If legal action has started, seek appropriate legal assistance rather than relying on a verbal promise from a buyer.
- Call the servicer using a verified phone number.
- Ask about review deadlines and available alternatives.
- Contact a HUD-approved housing counselor.
- Do not sign a deed or agreement you do not understand.
Evaluate a sale realistically
Will can discuss the property’s potential listing range and a practical marketing plan. If the sale may not cover the debt and costs, lender approval and additional professional advice may be needed. No agent or investor can guarantee to stop a foreclosure through an initial inquiry.
Your questions, answered.
Does requesting a cash offer stop a foreclosure?
No. Only the applicable legal process and approved arrangements determine the outcome. Continue working with your servicer, counselor, and attorney as needed.
Where can I find a housing counselor?
Use the U.S. Department of Housing and Urban Development’s official housing-counseling resources to locate approved assistance.
General information, reviewed September 2026. Confirm property-specific, legal, lending, and tax questions with the appropriate professional.