Avoid Foreclosure in Eugene by SellingYour House Fast
If you’re behind on payments and want to stop foreclosure in Eugene, Oregon, selling your house before the trustee sale is one of the few options that protects both your equity and your credit.
OR Home Buyers buys houses for cash, as-is, and can close in as little as five days when the sale date is close.
Get a Cash Offer Before Your Sale Date
How it works when you're facing foreclosure
1.
You've missed one to three payments
This is early pre-foreclosure in
Eugene. Federal servicing rules generally stop your lender from starting foreclosure until you are more than 120 days behind. Every option is still open: catch up, ask for a loan modification or forbearance, or sell with time to spare.
2.
You've received a notice of default
3.
The trustee sale is weeks away
4.
How a sale with us works at any stage
I'm behind on my mortgage. What are my options in Oregon?
modification or forbearance, request mediation through Oregon’s Foreclosure
Avoidance Program, sell the house, or talk with a bankruptcy attorney. Which options
are open depends on how far along the foreclosure is.
If you are behind on mortgage payments in Oregon, call a free certified housing counselor through Oregon Housing and Community Services (800-453-5511) before you decide anything. A counselor can tell you whether a modification is realistic.
If keeping the house isn’t realistic, a sale is often the best way out. You choose the price and the date instead of the trustee choosing them for you. Because we buy as-is, you can sell your house as-is in Eugene without spending money you don’t have on repairs.
How long does foreclosure take in Oregon?
Most Oregon home foreclosures are non-judicial trustee sales. The
notice of sale must be served at least 120 days before the sale date, and servicers
usually must wait until you’re more than 120 days behind before starting, so the
process rarely moves faster than about eight months from the first missed payment.
That timeline is longer than many homeowners expect, and it is the most valuable thing you have. The earlier you act, the more choices you keep. To stop foreclosure in Lane County with a sale, starting at Stage 1 or Stage 2 gives you time to compare offers and plan your move. Foreclosure is one of the clearest situations where selling your Eugene house fast just makes sense
Can I sell my house before the foreclosure sale date?
Yes. You own the house until the trustee sale, so you can sell it anytime before then. The lender is paid from the sale proceeds at closing and the foreclosure is cancelled.
To sell a house before foreclosure, the title company needs a payoff statement from your lender, which can take several days. The closer you are to a trustee sale in Eugene, the more you need a buyer who pays cash and won’t need an appraisal or loan approval. Once a sale contract is signed, your lender may agree to postpone the sale date if closing needs a little more time.
Why homeowners facing foreclosure choose OR Home Buyers
- We pay with our own cash, so there's no buyer loan that can fall through days before your sale date.
- Bob has worked with Lane County homeowners for over 25 years and coordinates directly with trustees and title companies.
- If a loan modification or reinstatement makes more sense for you, we'll tell you. No commissions and no fees either way.
Bob Bash,
Founder, OR Home Buyers
Foreclosure FAQs
Yes. A notice of default starts the trustee's clock, but it does not take away your ownership. You can sell any time before the trustee sale. The sooner you start, the more options you have, so call when the notice arrives rather than in the final weeks.
Selling before the trustee sale means the foreclosure is never completed, so a completed foreclosure won't appear on your credit report. Late payments already reported will stay on your history, but avoiding a finished foreclosure generally makes it easier to rent or buy again later.
Then a regular sale may not cover the loan. Your lender may approve a short sale, accepting less than the full balance. We can make an offer and work with your lender, but talk to a housing counselor or attorney first about any remaining balance you could owe.
We buy with our own cash, so there is no lender approval to wait on. Once the title company has your payoff, we can close in as little as five days. Call as early as you can, because lenders and trustees need time to process the payoff.
Yes. Oregon Housing and Community Services connects homeowners with free certified housing counselors and runs the Foreclosure Avoidance Program, which offers mediation with your lender. You can reach OHCS at 800-453-5511. Talking to a counselor costs nothing and does not stop you from selling.
In many cases, yes. We can agree on a move-out date after closing so you're not packing on the same day you sign. Tell us what you need when we make the offer, and we'll put the agreed date in writing.
Know your options before the sale date
Don't wait for the sale date. Call Bob at (541) 722-2000 or fill out the form today. Know your options and your numbers before the trustee decides for you.
