Stop Foreclosure: Sell Your Home, Stay as a Renter | Sell2Rent
We need at least 3 weeks before your auction date to close. The sooner you reach out, the more options we can explore together.
Foreclosure Relief

Facing Foreclosure? Sell Your Home, Stop the Bank, and Stay as a Renter.

When you're facing foreclosure, you still have a path forward. Sell2Rent's sale-leaseback program lets you sell your home fast, pay off the bank, and continue living in your house as a renter. No auction. No eviction. No moving.

📋 Timing matters here. We need at least 3 weeks before your auction date. The earlier you connect with us, the more we can do.
3 Weeks Min. time needed before auction
30-45 Days Average close time
$0 New debt created

Check if your home qualifies in 60 seconds

No credit check. No obligation. Cash offer in 24 hours.

Eligibility note: You must have more than 30% of your house paid off for us to be able to work with you.
No credit check Offer in 24 hours No obligation Available nationwide
★ A+ BBB Rating ★ 4.1 Trustpilot ★ 4.5 Google Reviews 🇺🇸 Available Nationwide 🏠 500+ Homeowners Helped

The Situation in the U.S. Right Now

Foreclosure activity is rising.
And most homeowners still have options.

You are not alone. Over 367,000 U.S. properties entered some stage of foreclosure in 2025, and the majority of homeowners who reach out early enough find a clear path forward.

367K+ U.S. properties with foreclosure filings in 2025, up 14% from 2024 (ATTOM)
+12% Year-over-year increase in foreclosure starts, April 2026 vs. April 2025
592 Days Average U.S. foreclosure timeline in Q4 2025. Most homeowners have more time than they realize.
7 Years How long a foreclosure stays on your credit report, vs. $0 impact with a sale-leaseback

Sources: ATTOM Data Q4 2025 U.S. Foreclosure Market Report; ATTOM April 2026 Foreclosure Rates; CFPB Mortgage Servicing Guidelines.

Know Where You Stand

The U.S. Foreclosure Timeline:
What Happens at Each Stage and What You Can Do

Most homeowners have more time than they expect, but that window closes fast. Don't wait until the last minute. Click any stage below to see where you stand and what you can do right now.

Typically: Month 1-3

You have missed one or more payments. Lenders begin outreach, but no legal action has been filed. Under federal law, lenders cannot start foreclosure proceedings until you are at least 120 days past due.

✓ Contact your servicer and request a forbearance, repayment plan, or loss mitigation review. ✓Request a free Sell2Rent offer now. At this stage we have maximum flexibility on price and terms. ✓Call a HUD-approved housing counselor for free guidance: 1-800-569-4287.

Typically: Month 3-6 after first missed payment

The lender files a Notice of Default, the formal and public start of the foreclosure process. In most states you now have roughly 90 days before a Notice of Sale can be recorded. This window is real and actionable.

✓ A sale-leaseback closes the mortgage entirely at closing, clearing the NOD and stopping the process. ✓ Most Sell2Rent transactions close in 30-45 days, well within your window. ✓Get your free offer now and we will walk you through your options clearly.

Typically: 3-6 months after NOD

An auction date has been publicly recorded. In most states you have 20-90 days before the sale. You can still stop this. In most non-judicial states, a completed sale before the auction date legally ends the foreclosure.

📞Call (800) 954-6373 today. We will fast-track your case and tell you exactly what is possible. ✓ A sale closing before the auction pays off the bank and stops the process entirely. ✓ Consult a foreclosure attorney at the same time. Bankruptcy may also create an automatic stay as a parallel option.

Final window for a sale-leaseback

This is the tightest window for a sale-leaseback to close before the auction. We need a minimum of 3 weeks to complete a transaction. If less time remains, additional options through legal channels may still apply.

📞Call (800) 954-6373. Let us talk through what is still possible. ✓ A foreclosure attorney can file for Chapter 13 bankruptcy to create an automatic stay, halting the auction on the day of filing. ✓ Even if a sale cannot close in time, we can help you understand every remaining option.
Happy homeowners who avoided foreclosure with Sell2Rent's sale-leaseback program

📋 Federal Protection: The 120-Day Rule

Under federal mortgage servicing rules, your lender cannot start the foreclosure process until you are more than 120 days past due. This gives most homeowners a meaningful window to explore alternatives before legal proceedings begin.

⏱ How Long Does Foreclosure Take?

The average U.S. foreclosure took 592 days in Q4 2025, but timelines vary widely by state.

Fastest states: Texas (approx. 154 days), Virginia (approx. 160 days), Wyoming (approx. 165 days)

Slowest states: Louisiana (approx. 3,461 days), Hawaii (approx. 1,760 days), Connecticut (approx. 1,600 days)

📉 Foreclosure vs. Sale-Leaseback: Credit Impact

A foreclosure typically drops your credit score by 100-160 points and stays on your report for 7 years. A sale-leaseback closes your mortgage in good standing. No foreclosure mark. No multi-year penalty.

⏰ What Happens If You Wait Too Long?

The foreclosure clock doesn't stop. Here's what the timeline typically looks like once proceedings begin.

30+ days overdue
Early Stage

Lender contacts begin. Late fees accumulate. Your credit score takes its first hit. This is the easiest stage to act. You still have the most options and the most negotiating room.

🟢 Most options still open. Act now for the best outcome.
14-21 days after NOD
Notice of Default Filed

The lender has officially filed. This becomes public record. More fees are added to what you owe. A sale-leaseback can still stop this, but the window is narrowing and closing timelines get tighter.

🟡 Manageable, but move quickly. Timelines are compressing.
7 days before auction
Auction Scheduled

The sale date is set. In many states you can still stop it, but it requires moving very fast. Reach out immediately. Every day matters at this stage.

🔴 Critical. Contact us today, not tomorrow.

The sooner you reach out, the more options you have. See if your home qualifies →

Find Out Where You Stand

What Stage Is Your Foreclosure In?

Select the option that best describes your situation. We will show you how much time you likely have and what your clearest next steps are.

Foreclosure Stage Checker

For general guidance only. Call us for a personal conversation about your specific situation.

✓ You are in the earliest stage and have the most options available.

Estimated time before legal proceedings: 30-90+ days (varies by state)

Your best moves right now:

  • Contact your mortgage servicer and request a loss mitigation review. They are required by law to evaluate your options.
  • Request a free Sell2Rent offer. At this stage we have the most flexibility on pricing and timeline.
  • Avoid letting missed payments accumulate. Each month adds fees and narrows your options.
Get My Free Offer - I Have Time to Plan

A Notice of Default has been filed. Your window is real. Reach out within 30 days.

Estimated time to auction: 90-180 days in most states (varies by state law)

Your best moves right now:

  • Request a Sell2Rent offer today. Most closings take 30-45 days, which fits well within your window.
  • A sale-leaseback pays off the mortgage entirely at closing, clearing the NOD and ending the process.
  • Contact a HUD-approved housing counselor for free, independent guidance: 1-800-569-4287.
Request My Free Offer Now

An auction date is set. Call us today so we can assess your timeline together.

You have more than 3 weeks. A sale-leaseback closing is still possible.

Your best moves right now:

  • Call (800) 954-6373 today. We will fast-track your case and give you a clear picture.
  • Submit your property details below so we can begin evaluating your home immediately.
  • Consult a foreclosure attorney at the same time. In some states, filing for bankruptcy creates an automatic stay that pauses the auction immediately.
Get My Offer or Call Us Now

This is a tight window. Let us talk through what is still possible together.

With fewer than 3 weeks, a sale-leaseback closing may not be possible, but other options exist.

Your best moves today:

  • Call us at (800) 954-6373. We will tell you clearly and honestly what we can and cannot do.
  • Contact a foreclosure attorney about Chapter 13 bankruptcy. Filing creates an automatic stay that halts the auction on the day you file.
  • HUD housing counseling is free and available now: 1-800-569-4287.
📞 Call (800) 954-6373 - Let Us Talk
Family relieved after stopping foreclosure with Sell2Rent sale-leaseback

Understanding Sale-Leaseback

What is a residential sale-leaseback?

A residential sale-leaseback is a transaction where you sell your home to an investor and immediately remain in it as a renter. The sale proceeds pay off your mortgage in full at closing, stopping foreclosure entirely. No auction. No eviction. No moving.

Unlike a short sale, which sells below market value and requires you to move out, a sale-leaseback sells at fair market value and lets you stay in the home you know, in the neighborhood your family is part of.

Most Sell2Rent transactions close in 30 to 45 days. You choose your lease term at closing, from 1 month to 5 years. Learn more about how our sale-leaseback works.

Family at home after completing a Sell2Rent sale-leaseback transaction
$200K+ Avg. equity available to homeowners
3 mo – 1 yr Typical lease term for foreclosure cases

Simple 3-Step Process

How it works

Most homeowners complete the Sell2Rent process in 30 to 45 days. No credit check. No repairs. No public listing.

Request Your Free Offer

Share basic details about your property and your situation. We work with homeowners in all 50 states. See if your home qualifies.

Takes 5 minutes

Review and Choose Your Best Offer

Your home is presented to our nationwide network of vetted investors. You receive multiple offers and choose the one that fits your price, timeline, and lease needs.

You pick the offer that fits

Close, Stop the Foreclosure and Stay

At closing, the mortgage is paid off in full, ending the foreclosure. You sign a lease and continue living in your home. Same house. Same neighborhood. Same life.

Most close in under 30 days
Stop Foreclosure: See My Options or call (800) 954-6373

What Happens After You Contact Us?

  1. We review your home A Sell2Rent specialist reviews your property details, usually within a few hours of your submission.
  2. You get a no-obligation offer We send you a preliminary cash offer within 24 hours. No cost, no commitment, no pressure.
  3. We walk you through your options A specialist walks you through the offer, leaseback terms, and exactly what closing would look like for your situation.
  4. You decide: your timeline, your pace There is no pressure or deadline to accept. You review the offer with your family, attorney, or advisor.
  5. If you move forward, we close fast Most Sell2Rent closings happen in under 30 days. Your mortgage gets paid off. The foreclosure stops. You stay home.

Compare Your Options

How does a sale-leaseback compare to your other foreclosure options?

A clear look at the most common paths homeowners facing foreclosure consider, so you can make the choice that is right for you.

Feature Sell2Rent
Sell and Stay		 Short Sale Deed in Lieu Foreclosure Auction Bankruptcy Stay
You stay in your home ✔ ✘ ✘ ✘ Temp.
Sells at fair market value ✔ ✘ Below market ✘ ✘ Often discounted N/A
No credit score damage ✔ Partial ✘ Like foreclosure ✘ -100 to -160 pts, 7 yrs Partial
No credit check required ✔ ✔ ✔ N/A N/A
Stops foreclosure timeline ✔ ✔ ✔ ✘ Temporarily
You receive cash equity ✔ ✘ ✘ If surplus ✘
Speed to resolution 30-45 days 3-6 months 1-3 months Varies Filed same day
Mortgage and taxes eliminated ✔ ✔ ✔ ✔ ✘

A sale-leaseback is the only path that provides fair-market cash, stops the foreclosure, eliminates ownership costs, and lets you stay in your home. See frequently asked questions

Real Homeowner Stories

Real families. Real relief.

Homeowners across the country have used Sell2Rent to find a path forward and stay in the homes they worked so hard for.

Chasity's Sell2Rent story: she stopped foreclosure and stayed in her home

Chasity was about to lose her home to foreclosure. Instead of moving out, she used Sell2Rent.

★★★★★

"Sell2Rent did a great job assisting me. The process was smooth and fast. I was behind on my mortgage and did not know what to do. They gave me a real solution."

Amber M.

Miami, FL

★★★★★

"Sell2Rent was a great experience. They helped us so much and the process moved very quickly. I finally have peace of mind knowing I can stay in my home."

Lori Moore

Cincinnati, OH

See all homeowner testimonials

Got Questions? We Have Answers.

Frequently asked questions about sale-leaseback and stopping foreclosure

We need at least three weeks before the scheduled auction date to successfully stop the foreclosure. The earlier you reach out, the more flexibility we have on pricing and terms. If you have only received a Notice of Default with no auction date yet, we have the most time to work with.
A sale-leaseback lets you sell your home to a vetted investor at fair market value. The proceeds pay off your entire mortgage balance at closing, legally ending the foreclosure process. You then sign a lease and continue living in your home as a renter. No auction. No eviction. No moving.
No. After the sale closes, you sign a lease with the new property owner and continue living in your home, same house and same neighborhood, for 1 month to 5 years depending on the lease term you select at closing.
Absolutely not. You are fully protected by your lease contract and by law. The new property owner cannot remove you before your lease term ends. You choose your move-out date when you sign the lease.
A short sale requires lender approval, typically sells below market value, and you must move out. A sale-leaseback sells at fair market value with no lender approval needed, and you stay in your home. You receive more equity and avoid the move entirely.
Sell2Rent does not perform a credit check. The transaction is a standard home sale and does not generate a negative credit mark. By closing out your mortgage in good standing, you avoid the 100-160 point drop and 7-year mark that a foreclosure leaves on your report.
Sell2Rent secures leases from 1 month up to 5 years. Property owners generally welcome long-term residents who pay rent on time and maintain the home well. At the end of your lease term, you can often renew, negotiate a new term, or move on your own timeline.
Sell2Rent works with homeowners across a wide range of property conditions. Homes do not need to be fully updated or move-in ready. You can review the full eligibility requirements here.
Sell2Rent charges a transaction fee, typically around 6% of the sale price with a minimum of $11,500, plus standard closing costs. All costs are transparently outlined in your final offer before you commit to anything. No surprises.

Sell your house. Cash out. Stay home. Breathe again.

You have worked hard for that equity. This is how you put it to work, on your terms, without leaving the home you love.

Stop Foreclosure: See My Options Call (800) 954-6373
No credit check· Available nationwide· Offer in 24 hours· Subject to eligibility