Facing foreclosure? You have options. ROI National can buy your Pennsylvania home in as little as 7 days—helping you avoid sheriff sale, protect your credit, and move forward with dignity.
If you’re behind on mortgage payments and received foreclosure notices, you’re likely feeling overwhelmed, scared, and unsure what to do next. The good news: you can still sell your house before the sheriff sale and potentially walk away with cash instead of losing everything.
Time is critical when facing foreclosure. Pennsylvania’s judicial foreclosure process moves quickly once it starts, but you have options at every stage—even days before a scheduled sheriff sale. ROI National has helped hundreds of Pennsylvania homeowners avoid foreclosure by purchasing their properties quickly for fair cash offers.
Call us immediately at 215-278-9944. Every day counts when facing foreclosure.
2015
Pennsylvania uses a judicial foreclosure process, which means your lender must go through the court system. Here’s the typical timeline:
After you miss your first mortgage payment, you have a 120-day grace period under federal law before foreclosure can begin.
You'll receive Pennsylvania's Act 6 Notice and Act 91 Notice informing you of foreclosure proceedings and your rights.
Your lender files a foreclosure complaint with the court. You'll receive official notice and have 20 days to respond.
If you don't respond or work out an agreement, the court grants a judgment in favor of the lender. A sheriff sale date is scheduled—typically 3-6 weeks out.
Your property is auctioned on the courthouse steps. If it sells, you lose ownership immediately.
You can sell your house at ANY TIME before the sheriff sale—even the day before. Once the property sells at sheriff sale, it's too late.
Many Pennsylvania homeowners don’t realize how devastating foreclosure is to their financial future:
Selling before foreclosure protects your credit and avoids these devastating consequences.
Contact your lender to negotiate new payment terms. This works if your financial situation has improved or was temporarily disrupted.
Sell your home with lender approval for less than you owe. The bank agrees to accept the sale proceeds as full payment.
Voluntarily give the property back to the lender in exchange for releasing you from the mortgage.
Chapter 13 bankruptcy can stop foreclosure temporarily through automatic stay.
We buy your Pennsylvania home quickly—often within 7 days—for a fair cash price.
Pros
Cons
If you have equity, you’ll walk away with cash before the foreclosure process in PA moves forward . If you’re underwater (owe more than it’s worth), we’ll work with your lender on a short sale to get you released from the debt. Understanding the Pennsylvania foreclosure process early can give you more options to protect your financial future.
Unlike traditional buyers who need 30-45 days for financing, we have cash available and can close quickly. If your sheriff sale is scheduled for next week, we can potentially stop it.
Every foreclosure situation is different. Some homeowners need to close within days, others have a few weeks or months. We adjust to your specific timeline and sheriff sale date.
You're already stressed enough. We coordinate with your lender, handle all paperwork, work with title companies, and make the process as simple as possible. You just show up to closing and get paid.
We make offers based on:
Tom received his sheriff sale notice for the following Tuesday. He called us on Wednesday. We evaluated the property Thursday, made an offer Friday, and closed the following Tuesday morning—3 hours before the scheduled sheriff sale. Tom walked away with $18,000 and avoided foreclosure on his credit report.
Sarah owed $285,000 but the property was only worth $260,000. She couldn't afford payments after a job loss. We negotiated with her lender, got approval for a short sale, and closed in 23 days. Sarah was released from the debt and avoided both foreclosure and deficiency judgment.
Marcus inherited his mother's home but couldn't afford the $3,800 monthly mortgage. The property was 4 months behind and heading to foreclosure. We purchased it in 12 days, paid off the mortgage, and Marcus received the remaining equity of $47,000.
Time is your enemy when facing foreclosure. Even if your sheriff sale is next week, call us. We've stopped foreclosures with days to spare.
Have this ready when you call:
We'll evaluate your property quickly and provide a written cash offer within 24-48 hours—usually sooner if time is critical.
Accept our offer, choose your closing date (coordinating with sheriff sale if needed), and get paid. You stop foreclosure and move forward with your life.
Yes. We've closed transactions with as little as 3 days notice. If your sheriff sale is scheduled, call us immediately. We'll evaluate whether we can close in time. Even if it's cutting it close, it's worth trying—the alternative is losing your home at auction.
We can work with your lender on a short sale, where they agree to accept less than the full mortgage balance. Not all lenders approve short sales, but we have experience negotiating these and can help you get released from the debt without foreclosure.
No. Selling your home before foreclosure means no foreclosure appears on your credit report. If you sell before you're too far behind on payments, the impact is minimal. Even if you're several months behind, the credit hit from late payments is far less damaging than foreclosure.
It depends on your equity position. If your home is worth $300,000 and you owe $250,000, you'd walk away with approximately $50,000 minus closing costs (which we typically cover). If you're underwater, we work to get you released from the debt without owing anything.
You lose your home at sheriff sale, foreclosure destroys your credit for 7 years, you may face deficiency judgment for the difference between sale price and what you owed, and you get zero money. Selling before foreclosure avoids all of this.
You don't need to explain your situation if you don't want to. We're not here to judge—we're here to help. That said, understanding your situation helps us find the best solution, especially if we need to negotiate with your lender.
Foreclosure moves fast in Pennsylvania. The longer you wait, the fewer options you have. If you’re behind on mortgage payments, received Act 6 or Act 91 notices, or have a sheriff sale scheduled, call ROI National today.
We’ve helped hundreds of Pennsylvania homeowners avoid foreclosure and walk away with dignity. We can help you too.
ROI National—Stop Foreclosure. Protect Your Credit. Move Forward.
With no obligation and no effort required on your part, there’s no reason to miss out on a cash offer.
"*" indicates required fields
