You still have options. We buy houses in pre-foreclosure for cash and can close before your sale date. Protect your credit and get a fresh start.
Getting that notice from your lender feels like the ground is falling out from under you. Maybe you lost a job, went through a medical crisis, or had an unexpected life change. Whatever brought you here, you're not alone - and you still have time to act.
In Dona Ana County, hundreds of families face foreclosure every year. The good news is that you can sell your home right up until the foreclosure sale is finalized, and selling for cash is one of the fastest ways to stop the process entirely.
We're not here to judge your situation. We're here to give you a straightforward option: a fair cash offer that lets you pay off your mortgage, avoid a foreclosure on your record, and walk away with whatever equity remains.
Day 1-30: Missed payment. Lender contacts you.
Day 30-90: Notice of default. You have time to cure the debt or explore options.
Day 90-120: Lender files lawsuit (NM is a judicial foreclosure state). Court proceedings begin.
Day 120-180+: If uncontested, the court issues a judgment and schedules a foreclosure sale.
You can sell at any point before the sale. The earlier you act, the more options you have.
We've helped dozens of Las Cruces homeowners avoid foreclosure. Here's what makes our process different.
Traditional sales take 3-6 months. Foreclosure won't wait that long. We can close in as few as 7 days - well within most foreclosure timelines. We work with the title company to expedite everything.
At closing, the proceeds go directly to your lender to satisfy the debt. Any remaining equity is yours. The foreclosure case gets dismissed, and you're free to move on.
A completed foreclosure drops your credit score by 100-160 points and stays on your report for 7 years. Selling before completion prevents this. You'll recover faster and qualify for a new home sooner.
Life happens. Medical bills, job loss, divorce - there are a hundred reasons people fall behind. We focus on finding you a solution, not asking why you need one.
Foreclosure involves complicated legal proceedings. When you sell to us, we coordinate with your lender, the court, and the title company. You don't have to navigate the legal maze alone.
If you owe more than your home is worth, we can negotiate a short sale with your lender. Many banks prefer this over a costly foreclosure. We handle the entire negotiation at no cost to you.
We've streamlined the process so you can move from "stressed" to "sold" as quickly as possible.
Tell us about your property and your foreclosure timeline. We'll need your address, what you owe, and your sale date if one has been scheduled. Everything is 100% confidential.
We'll assess your property and make you a fair cash offer within 24 hours. There's no cost, no obligation, and no pressure. If the numbers don't work for you, no hard feelings.
Our team contacts your mortgage company to get a payoff amount and handles any short sale negotiation if needed. We also work with a local title company to ensure a clean closing.
We close on your timeline - as fast as 7 days. Your mortgage is paid off, the foreclosure is stopped, and any remaining proceeds go to you. The chapter is closed and you can start fresh.
Foreclosure:
Credit drop of 100-160 pts. 7 years on record. Risk of deficiency judgment. No control over timing. Public record.
Cash Sale to Us:
Late payments may show, but no foreclosure on record. Close in 7-14 days. You keep equity. Private transaction. Fresh start.
Real homeowners who avoided foreclosure by selling to us.
"I was three months behind on my mortgage and the bank had already filed. I thought I was going to lose everything. Las Cruces Cash Home Buyers made me an offer in one day and we closed in 10 days. I walked away with enough to put a deposit on an apartment and start over. I can't thank them enough."
"After my wife's medical bills piled up, we couldn't keep up with the house payment. We were ashamed and scared. These folks treated us with dignity, explained every step, and helped us sell before the foreclosure went through. Our credit recovered in about two years instead of seven."
Yes. You can legally sell your home at any point before the foreclosure sale is finalized by the court. Even if you're several months behind on payments or the lender has already filed a lawsuit, the sale can proceed. When we buy your home, the mortgage payoff happens at closing, which satisfies the debt and stops the foreclosure. The earlier you reach out, the more time we have to work through the process smoothly - but even last-minute situations are possible.
New Mexico is a judicial foreclosure state, which means your lender must file a lawsuit in court to foreclose. The process typically takes 120 to 180 days from the first missed payment, though it can stretch longer if the court docket is busy or if you contest the foreclosure. After the lender files, you're served with a complaint and have 30 days to respond. If no response is filed, the court can issue a default judgment and schedule a sale. This timeline gives you a window to explore options like selling to a cash buyer.
If your mortgage balance exceeds your home's current market value (called being "underwater"), a short sale may be an option. In a short sale, the lender agrees to accept less than what's owed on the mortgage. We have experience negotiating short sales with major lenders and servicers. Many banks prefer a short sale because it costs them less than a full foreclosure. We handle the negotiation with your lender at no cost to you. While approval isn't guaranteed, we've successfully completed many short sales in the Las Cruces area.
Yes. When the sale closes, the title company uses the proceeds to pay off your existing mortgage in full (or the agreed short sale amount). Once the lender receives payment, the debt is satisfied and they file to dismiss the foreclosure case with the court. The foreclosure is effectively canceled. You'll want to keep copies of the closing documents and the mortgage satisfaction letter for your records. We coordinate all of this so you don't have to chase down paperwork.
A deed-in-lieu of foreclosure means you voluntarily hand the property back to the lender. While it avoids a foreclosure auction, it still appears on your credit report and you typically walk away with nothing - no equity, no proceeds. Selling for cash to a buyer like us is different: you receive fair market value (minus the payoff), keep any remaining equity, and the transaction looks like a normal home sale on your record. A cash sale is almost always a better outcome if you have any equity at all. Even with little equity, avoiding the credit impact of a deed-in-lieu or foreclosure makes selling worthwhile.
Every day that passes brings you closer to a foreclosure sale. The sooner you reach out, the more options we have to help. There's no cost, no obligation, and the call is completely confidential.