Stop foreclosure in Philadelphia — sell for cash before it's too late
A cash sale can stop the foreclosure process, protect your credit, and put cash in your hands instead of losing everything to the bank. Act now — time is critical.
Get your free cash offer — fast
Confidential & no obligation · Takes 60 seconds. Time is critical — we respond immediately.
No fees, no commissions, no obligation. Your cash offer comes in writing.
Rather talk it through? Call or text (215) 703-9223
- Stop the foreclosure process immediately
- Protect your credit from a foreclosure record
- Keep your equity instead of losing it to the bank
- Close in 7 days or sooner if needed
- 24 hrsCash offers
- 7 daysTo close
- $0Fees or commissions
How to stop foreclosure by selling fast
A pre-foreclosure cash sale is often the fastest and cleanest exit — here's how it works.
-
Contact us immediately
Call or submit the form now. The sooner we connect, the more options you have. We move fast and treat your situation with complete confidentiality.
-
Receive a fair cash offer in 24 hours
We assess your home and present an all-cash offer. We work with your lender if needed and can often close before a foreclosure auction date.
-
Close fast, protect your credit
We close in as few as 7 days. The sale pays off your mortgage, stops the foreclosure, and protects your credit score — and you keep any remaining equity.
The Pennsylvania foreclosure timeline — why every day counts
Pennsylvania is a judicial foreclosure state. Here's what happens after you miss payments — and your window to act.
Grace period & late fees
Many loans have a short grace period before late fees apply. No foreclosure has been filed yet. This is the best time to call us.
Act 91 notice
For most Pennsylvania home mortgages, the lender must first send an Act 91 notice. You then have 30 days (33 if it was mailed) to meet with an approved counseling agency about the state's HEMAP assistance program, or to cure the default.
Court process underway
Federal servicing rules generally bar a first foreclosure filing until a loan is more than 120 days delinquent. Pennsylvania foreclosures go through the Court of Common Pleas. In Philadelphia, owner-occupied homes are scheduled for a conciliation conference through the Residential Mortgage Foreclosure Diversion Program before a sheriff sale.
Sheriff sale
If the case ends in a judgment, the home is listed for a sheriff sale. A sale to a buyer that pays off the loan before the sheriff sale can still resolve it, but timing becomes extremely tight. Call us immediately if you're here.
This is general information, not legal advice. Timelines vary by lender and case; talk to a Pennsylvania attorney or a HEMAP counseling agency about your situation.
We buy all types of property
Whatever you own — and whatever condition it's in — we'll make a fair, no-obligation cash offer.
Foreclosure questions answered
Still have a question? Call or text (215) 703-9223 or email info@eternalhomebuyers.com.
Can I sell my house after a foreclosure notice has been filed?
Yes. In Pennsylvania, you can generally sell your home while the foreclosure case is pending, up until the sheriff sale. A cash sale is usually the fastest way to stop the process because there's no financing contingency that could fall through.
Will I have any money left after paying off my mortgage?
It depends on how much equity you have. If your home is worth more than you owe, you keep the difference after the mortgage payoff and any liens are cleared at closing. A traditional foreclosure often destroys that equity — a cash sale lets you capture it.
How does a cash sale protect my credit?
A completed foreclosure can seriously hurt your credit and generally stays on your credit report for 7 years. A pre-foreclosure sale shows as a normal sale — no foreclosure notation — which dramatically limits long-term credit damage.
What if I owe more than my house is worth (underwater)?
We may still be able to help through a short sale, where the lender agrees to accept less than owed. A short sale needs the lender's approval; we work alongside your attorney and the title company through that process.
How fast can you really close?
When the situation is urgent, we have closed in as few as 5–7 days. Call us at (215) 703-9223 immediately and we'll tell you exactly what's possible given your timeline.
More for Philadelphia sellers
Don't let the bank take your home
You still have options. A fast cash sale can stop foreclosure, protect your credit, and let you walk away with cash. Call us or submit the form — right now.
- Cash offer within 24 hours
- Stop foreclosure before auction
- Protect your credit & equity
- Close in 7 days or less
Get your free cash offer — fast
It takes less than 2 minutes. No inspections or repairs needed.