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- How It Works
If you're behind on your mortgage and getting notices from your lender, you're not out of options. Selling your house before the bank forecloses can let you walk away with cash instead of damaged credit and nothing to show for your equity.
Samaritan Home Buyers can often close quickly. We serve homeowners across Northwest Florida and coastal Alabama.
Foreclosure is a legal process that lets your lender take your home when payments stop. In Florida it's a judicial process through the courts and can take many months. In Alabama it can happen faster through a non-judicial process.
Once foreclosure completes, the home is sold at auction and you typically walk away with nothing — plus serious credit damage for years.
Selling before foreclosure completes is often the better path: you may preserve your credit, potentially walk away with cash from your equity, and keep control of the timeline.
We’re not here to take advantage of a hard situation. We’re here to give you a real option when you need one most.
You contact us and tell us about your situation.
We review the property and present a cash offer.
We close. Your mortgage is paid off and you receive any remaining equity.
We can’t guarantee we’ll stop every foreclosure — it depends how far along the process is. But the sooner you contact us, the more options you have.
If you're facing foreclosure in Pensacola, FL, Mobile, AL, or Foley, AL, reach out today - the sooner the better.
Many homeowners facing foreclosure also have liens or back taxes on the property. We can handle those too. And because we know this is a stressful, vulnerable time, we operate with complete transparency.
If the sale price won’t cover what you owe, that’s a “short sale” — it requires lender approval and takes longer, but can still beat foreclosure. We can walk you through it.
If we close before the foreclosure sale date, the payoff to your lender stops the process. The earlier you contact us, the better your chances.
Only if there’s equity above what you owe. If your home is worth more than your loan balance plus any liens, you receive the difference at closing.
Yes. Florida is judicial (slower), Alabama is non-judicial (faster). We understand both.
Yes. Everything is private. We don’t tell anyone about your situation.
The more time we have, the more we can do. Reach out for a free, confidential conversation.
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