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Behind on Mortgage – Avoid Foreclosure

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Do You Need Help Avoiding Foreclosure?

The possibility of facing foreclosure can be terrifying. Your life is in chaos, but there is a way out!. If going through foreclosure, we have a solution for you. We show you how to sell your house fast and get fair value because we buy houses facing foreclosure nationwide. If you need to avoid foreclosure and sell a house in the Washington D.C. area, Florida, and Baltimore, we can buy your house in just days!

Watch the Avoid Foreclosure video by Brad Chandler as he summarizes how the foreclosure process works and how you can avoid Foreclosure with Express Homebuyers.

Selling a House Going Through Foreclosure Is Easier Than You Think

Sometimes life happens, and we get behind, and can’t catch up.  You shouldn’t have to look at nasty letters from banks and trustees every day. There’s a way to move on that’s stress-free and fast. If you’re facing foreclosure in DC, Maryland, Virginia, or even Florida, we can help. We help people facing foreclosure sell their home fast nationwide.

Express Homebuyers Has Plan that Works!

We specialize in buying foreclosed houses nationwide. Since 2003, we’ve bought over 2,500 houses with just 3 simple steps. We know how to navigate through all the difficult steps of foreclosure. Express Homebuyers has made it our business to take care of all the hassle of avoiding foreclosure. An A+ rating with the BBB proves our commitment to putting our clients first.

The biggest thing we want our clients to know is that they’re not alone. Navigating the unknown by yourself is no easy task.  The good news is we’ve helped hundreds of clients going through foreclosure sell their house fast and move on with their lives. When we help stabilize our clients’ lives and restore stability that makes everything we do worth it.


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Transcript for the above video:

The information contained in this video is provided to you “AS IS”, does not constitute legal advice, is governed by our Terms and Conditions of Use, and we are not acting as your attorney. We make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in this video.

The law changes very rapidly and, accordingly, we do not guarantee that any information in this video is accurate and up to date. Additionally, the law differs from jurisdiction to jurisdiction, and is subject to interpretation of courts located in each county and state. Legal advice must be tailored to the specific circumstances of each case and the tools and information provided to you may not be an appropriate fit in your case. Nothing provided in this video should be used as a substitute for the advice of competent legal counsel.

The following is a brief overview of what foreclosure is and a few ways it can be stopped. Because Express Homebuyers serves Virginia, Maryland and the District of Columbia I will be providing overall foreclosure guidelines. To find out about specific foreclosure laws regarding your state please consult an attorney.

Foreclosure is the legal proceedings initiated by a creditor to repossess the collateral for the loan that is in default.

In the case of home foreclosures, the creditor is the bank or the lender, the collateral is your home and default occurs when the homeowner misses payments on the loan for a period of time. Most foreclosures proceedings in Virginia and DC happen without the involvement of a court of law. This is because the mortgage or deed of trust usually contains a clause that allows the lender the right to sell the property. Once a borrower is in default, the lender starts foreclosure proceedings after sending a notice to the borrower that the terms of the mortgage or deed of trust have been violated.

The State of Maryland is a bit different.

To begin the foreclosure process, a lender must file a complaint against the borrower and obtain a decree of sale from a court that has jurisdiction where the property is located. The court will then determine whether a default has occurred. If the court finds a default, it will determine the total amount of the debt, interest, and costs due and present a sensible time for payment to be made. The court may order that if payment is not made within a certain time, the property must be sold to satisfy the debt. Before the sale date is set by the court, the lender is not required to notify the borrower of the pending foreclosure proceedings.

This differs from Virginia and DC where some type of notification must be sent to the borrower before any sale date is scheduled.

While the foreclosure process is different in the three jurisdictions, if the borrower does not pay the outstanding amount owed, the property will go to auction to be sold. Some states require public notice be given of the impending auction and some do not.

In DC and Virginia, the trustee announces the opening bid at the sale and may accept higher bids, with the property selling to the highest bidder. The trustee is an institution to whom the lender gives legal title to your home until the loan is paid off, in full. At the auction, if no one bids, the foreclosing lender will win the bidding with the opening bid. The trustee completes the necessary documents to transfer ownership of the property to the highest bidder.

Auctions are typically held on the courthouse steps or at an auction house, depending on the state.

In Virginia and DC, the borrower has no rights of redemption after a deed of trust foreclosure sale. This means that the auction sale is final and the ownership of the property will revert to the highest bidder and you will be forced to move from your home. In Maryland, there is no established redemption period for the borrower, but the courts can set a redemption period on a case-by-case basis. The lender can, but usually doesn’t, seek a judgment against the borrower if the sales price to the highest bidder is less than what is owed to the lender.

Again, while the foreclosure process varies from state to state it typically takes from a few months all the way up to a year, depending on the lender. The borrower has the option to pay off the outstanding balance and fees within a certain period of time prior to the auction. This process is referred to as reinstatement. This is one of the ways that a foreclosure can be stopped.

Another way of stopping the foreclosure process is to sell your home prior to the auction, thus paying off the lender from the proceeds of the sale.

There are two options for selling your house – the traditional way and through a short sale. If your mortgage balance is less than the market value of your house you would go through a traditional home sale transaction. Express Homebuyers can make that transaction extremely simple in DC and Virginia. First, you call us at the number above or fill out the “get an offer” form and one of our local home buying specialists will ask you a few simple questions about your house. After collecting that information and doing our analysis, we give you an instant and fair offer over the phone. When you accept our offer we come out to visit your house, answer your questions and fill out the paperwork. From there, we schedule a settlement date that is convenient for you, and on that date we officially buy your house. Lastly, your house is sold, and you receive your money fast. No interviewing agents, no Realtor commissions, no dealing with contractors and repairs. Leave it to Express Homebuyers to handle the details.

On the other hand, if a traditional sale is not an option, due to your mortgage balance being greater than the market value of your house, the transaction will be a short sale. This is the process by which the bank or lender would agree to accept an amount less than what was owed to them. This has been a very common practice over the past 8 years as the value of real estate has often dropped below what is owed on the house. Lenders agree to do this because they know that they are likely to lose additional money if the house goes to foreclosure. As a seller, a short sale is preferable to a foreclosure as your credit rating is not impacted as severely. Selling a house via a short sale is a legitimate method for stopping the foreclosure process and allowing the homeowner to get on with life. For further information on how short sales work please contact an Express Homebuyer’s Sales Specialist at the number above.

For any additional questions you may have about this video, please give us a call at the number above.

We’re local, we’re experienced and we are Better Business Bureau accredited. We have bought more than 2,500 houses in the DC Metro area. Call us now at the number above for a free and confidential consultation. Get an offer in 7 minutes and sell your house in 7 days.

Featured Client Stories


“I have gone through a divorce and we wanted a quick way to dissolve the property and I wanted to move to a smaller place.”

“My overall experience with Express Homebuyer was great and amazed that they can do it in 7 days and no headaches


We agreed on a price right away and within 7 days we were settling. I should’ve stuck with them in the beginning

Bill R.

They treated me with respect, they’re compassionate about my situation. Never minimize the situation, it was really an honorable feeling

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