We'll show you every option — including the ones that don't pay us — so you can decide with real facts. From a local licensed broker, not an out-of-town investor.
Get the free guide + a no-pressure walkthrough of all four paths, from Dave — your locally licensed broker
Most companies in this space can only offer you one thing — so that's all they'll tell you about. As a licensed broker and direct cash buyer, we can walk you through all four paths, including the two that don't pay us anything.
Catch up the past-due amount (not the whole loan) and the foreclosure stops. In California you generally have this right up until 5 business days before the sale.
New since 2025: deliver a valid listing agreement to the trustee at least 5 business days before the sale, and the sale must be postponed at least 45 days. A purchase agreement can add another 45+. Sell for full market value instead of at auction.
A specific number you know today, close in as little as 7 days — before the sale date. As-is, no repairs, no fees on our cash program. The foreclosure never completes.
If the auction happens and the home sells for more than you owe, the difference is yours by statute (Civil Code § 2924k). You can file the claim yourself, for free — don't give a "recovery company" a cut of your own money.
We're not a "we buy houses" call center. Dave Ott is a locally licensed California broker (CA DRE #01851056) who has served Yuba-Sutter since 2008 and writes the real estate column in the Appeal-Democrat. Because we're a broker, buyer, and contractor under one roof, we don't have to steer you toward the option that pays us — we can put all four side by side and let the numbers speak.
If reinstating, listing, or even letting it go to sale is your best outcome, we'll say so. That honesty is why neighbors refer us.
Yes. Under California AB 2424 (effective January 1, 2025), delivering a valid listing agreement with a licensed real estate broker to the trustee at least 5 business days before the scheduled sale requires the trustee to postpone the sale at least 45 days. A bona fide purchase agreement delivered afterward can add another 45+ days. Each can be used once, and the delivery requirements are specific — we'll walk you through them, and you should confirm your situation with an attorney or HUD-approved housing counselor.
The consultation and the guide are free, with no obligation. If you choose our cash offer, there are no fees, commissions, or closing costs. If you choose to list, standard listing terms apply and we'll put them in writing up front.
Then we'll tell you that. Reinstating the loan or claiming your surplus after a sale are real options that don't pay us anything — and they're both in the guide and in our walkthrough.
We can make a cash offer within 24 hours and close in as little as 7 days. And under AB 2424, a listing delivered at least 5 business days before the sale can postpone it by 45+ days. The sooner you reach out, the more options stay open.
Free guide, free walkthrough, zero pressure. Know your rights before your sale date.
Get My Free Guide + Options →A fair cash offer and a listing offer, side by side, in 24 hours. No obligation, no pressure — and if keeping the home is your better move, we’ll say so.
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