If you are considering selling your Sacramento house before foreclosure, ask how much you would receive after loan payoffs, liens and closing costs. Summit may be able to review the property for an as-is cash offer. Confirm any scheduled sale date with your servicer or trustee.
Missing mortgage payments does not mean foreclosure is inevitable. Waiting can narrow your choices, though. Late fees and other charges may be added, your credit may be affected, and the foreclosure process may begin. Read every notice you receive, and ask your servicer, an attorney, or a HUD-approved housing counselor what the dates mean for you.
Depending on your situation, options may include reinstating the loan, a repayment plan, a loan modification, a short sale, or selling the home. Each has tradeoffs. A HUD-approved housing counselor can help you compare them, often at no cost.
Summit Acquisitions Group Inc. is a potential purchaser. We may be able to make an as-is cash offer on your Sacramento house. Before accepting an offer, confirm the named buyer, funding conditions, any assignment provisions, costs and closing responsibilities in writing. We cannot guarantee a closing before an auction date, and signing a purchase agreement does not by itself stop a foreclosure.
Get My Free Cash OfferIf you are behind on your Sacramento mortgage, waiting without information can limit your choices. A conversation with us is free and judgment-free, and there is no obligation to sell. If a sale to us is not a good fit, we may suggest talking with a HUD-approved housing counselor or an attorney.
Talking early can give you more time to review an offer and compare other options.
Call (916) 251-9505 or fill out the form below. Tell us how far behind you are, whether you have received any notices, and what you owe. We use what you share to evaluate a possible offer.
If the property fits, we present a written cash offer. It considers market conditions, your loan balance, and other liens. The contract price is not the same as your net. Your net depends on loan payoffs, liens, and closing expenses. If you may owe more than the home is worth, ask your servicer or a qualified adviser what approvals or additional funds a sale would require.
If you accept, review the proposed closing date and purchase conditions with the title or escrow company. Ask escrow to confirm payoff amounts, available proceeds, any remaining balances and required lender approvals before closing. We cannot guarantee closing before an auction, and only your servicer or trustee can confirm the status of a foreclosure.
Here is what you can expect when you talk with us.
Foreclosure timing depends on the notices recorded on your property. We put the proposed closing date in the contract, but we cannot promise to close before an auction date. Check your notices and confirm dates with your servicer.
No "for sale" sign in your yard and no open houses. A direct sale involves you, us, the title or escrow company, and the parties needed to pay off your loan and any liens.
If the sale price exceeds the loan payoffs, liens and closing costs, you may receive proceeds. Ask escrow to estimate what would remain. If a foreclosure sale has already happened, ask the trustee or an attorney about any surplus and how to claim it.
No agent commission from us and no repair requests. The written contract lists who pays each closing cost. Your net depends on payoffs, liens, and expenses, and appears on the closing statement.
Falling behind on a mortgage happens to good people, often after a job loss, medical bills, divorce, or a business setback. No lectures, no pressure, no sales tactics.
Sometimes a loan modification, repayment plan, deed in lieu, or another solution may fit better than a sale. We are not attorneys, lenders, or housing counselors, so we encourage you to explore those options with your servicer, an attorney, or a HUD-approved housing counselor.
No two situations are the same. Here are some common ones Sacramento homeowners ask about.
A job loss can drain savings quickly. If reinstating the loan is not realistic, it may help to compare a sale with other options while you still have time to decide.
If your modification was denied, ask your servicer why and whether you can appeal. We can also review whether a sale to us is possible, but we cannot promise to close before the foreclosure process advances.
If you have received a Notice of Default, read it carefully and confirm the dates with your servicer or an attorney. We can review whether a sale is possible, but we cannot guarantee a closing before any auction date.
If you owe more than the home is worth, a standard sale may not cover the loan. Ask your servicer or a HUD-approved housing counselor about short sales and other options. We cannot promise a short sale or lender approval.
Even before a Notice of Default, you may have options. Read every letter from your servicer, and ask about loss-mitigation options as early as you can.
Falling behind during a divorce is especially hard. We can review a possible as-is offer, and any sale terms should be reviewed with your divorce attorney.
Tell us where you are in the process: how far behind you are, whether you have received any letters from your lender, and what you owe. The conversation is free, and there is no pressure to sell. We will be straight with you about what we can and cannot offer.
Pre-Foreclosure Offer Request
Falling behind can add costs over time. Late fees and foreclosure-related costs may be added to what you owe, which can reduce any equity. Use the checklists below to gather documents and questions for your servicer or counselor.
| Document | What to confirm | Who to ask | Why it matters |
|---|---|---|---|
| Mortgage statement | Past-due balance and fees | Loan servicer | Statement dates may differ |
| Default or sale notice | Recorded notice and current sale status | Trustee and qualified adviser | Do not infer a deadline from missed payments |
| Payoff and title report | Liens and closing expenses | Escrow or title company | Sale price differs from net proceeds |
These are examples of documents to gather. Your servicer's records control the actual amounts and dates. Ask questions early and get answers in writing. For general background on the process, see our California foreclosure timeline overview.
| Option | Ask about | Homeownership goal | Who confirms |
|---|---|---|---|
| Reinstatement | Current written reinstatement quote | Retain the home if requirements are met | Loan servicer and qualified adviser |
| Loan modification | Eligibility and written updated terms | Seek to retain the home | Loan servicer |
| Forbearance or repayment plan | Payment schedule and what happens afterward | Seek to retain the home | Loan servicer |
| Short sale | Lender approval and debt or tax implications | Sell the home | Lender and qualified advisers |
| Deed in lieu | Whether the lender accepts and remaining obligations | Transfer the home | Lender and qualified advisers |
| Cash sale before auction | Payoff, title, funding and closing conditions | Sell the home | Named buyer and escrow |
| Bankruptcy | Eligibility and possible effect on foreclosure | Depends on the case | Licensed bankruptcy attorney |
Not sure which fits? Explore scenarios with our cash offer vs. foreclosure vs. listing calculator, and decode any unfamiliar terms in the California foreclosure glossary.
California law may provide protections during foreclosure and review of a loan-modification application. Ask your servicer, a HUD-approved housing counselor, or a California attorney which protections and appeal rights apply to your loan and notices.
Free help: HUD-approved housing counselors at 1-800-569-4287, and Legal Services of Northern California for qualifying homeowners. These services are often free, and you can use them even if you also talk to us. This page is general information, not legal advice.
Pre-foreclosure raises specific questions. Here are the ones we hear most.
Have you just received a Notice of Default? That page explains what the notice means and questions to ask your servicer, an attorney, or a HUD-approved housing counselor.
If your auction date has already been set, read your notices carefully. That page lists questions to ask about your options.
Prepared by Summit Acquisitions Group Inc.
Topic: Pre-foreclosure options in California · Copy reviewed: November 7, 2026
Primary sources
This is general information, not legal, tax, or financial advice. California statutes, program funding, and county procedures change. Verify current requirements with a licensed California attorney, a CPA, or a HUD-approved housing counselor (often free) before acting. Summit Acquisitions Group Inc. is a potential property purchaser, not a law firm, brokerage, lender, or housing counselor.