Behind on your mortgage? You have more options than you think.

How fast does foreclosure happen in Georgia?

Georgia is a non-judicial foreclosure state. Once you’re behind, the lender can send a notice of sale and foreclose on the first Tuesday of the following month after a 30-day notice. That means the window between “a little behind” and “losing the house” can be short. The good news: until the sale happens, you still control what happens next.

Your options, in order

• Reinstate or modify — catch up or renegotiate with the lender if your income has recovered
• Sell for cash before the sale date — we can close in as few as 7 days and pay off the loan at closing; you keep any equity above the payoff
• List it fast with a deadline — if you have 45+ days and equity, a “highest and best by [date]” listing may net you more
• Short sale — if you owe more than it’s worth, we negotiate with the lender; we’ve handled these, including reverse-mortgage short sales

What a cash sale looks like when you’re behind

We pull your payoff, pull comps, and show you exactly what you’d walk away with after the loan and any liens are paid. Zero commission, we cover closing costs, and you can stay in the home for a short period after closing if you need time to move. No judgment — we’ve helped many Metro Atlanta families through this.

Two offers from one walkthrough

Whatever your situation, the process is the same: tell us the address, we pull FMLS comps, do a 15-minute walkthrough, and hand you a written cash offer and a listing plan within 24 hours. The cash offer has zero commission and we cover closing costs. The listing plan shows what the open market would likely net after costs. You pick — or keep the analysis and do nothing.

Are you the attorney or housing counselor? See how we work with foreclosure defense and bankruptcy attorneys.

This page is general information, not legal or tax advice. We work alongside your attorney and CPA, and can refer you to ones we trust.