Straight answers from Georgia home buyers who deal with this every week.
Yes. Right up until the moment the auctioneer's hammer falls, the house is still yours — and selling it is often the single best move for protecting your equity and your credit.
When you sell before the auction, the sale proceeds pay off the mortgage — including the missed payments, late fees, and the lender's legal costs — and everything above that number belongs to you. Compare that to an auction, where your house is typically bid on by investors looking for a discount, and where anything can go wrong for your bottom line.
Georgia's timeline is unforgiving. Once the notice of sale goes out, you may have only 30–45 days. A financed buyer's mortgage takes 30–45 days to close when everything goes right — one appraisal hiccup and you miss the auction. That's why sales during foreclosure are usually cash sales: no loan approval, no appraisal contingency, closing in as little as two weeks.
Tell us the auction date first thing — it drives everything. We make an offer within about 24 hours, coordinate directly with your lender's attorney to get an exact payoff figure, and set closing comfortably before the sale date. The foreclosure simply stops, because there's no longer a defaulted loan to foreclose. Start here or call us — even if the auction is close.
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Tell us about your situation and we'll show you exactly what a sale before the auction would put in your pocket.
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