Facing Foreclosure? Sell Your House for Cash Before the Sale Date.

Yes. Homeowners can sell their property at any point during the foreclosure process — from the first missed payment through the day before the scheduled sale. Selling to Byrd and Co pays off the remaining mortgage balance directly at closing and ends the foreclosure proceeding. The key is timing: the earlier you contact us, the more flexibility we have to negotiate the best possible outcome. Even if the sale date is just days away, call (410) 855-1722 — we’ve closed deals on extremely tight foreclosure timelines.

Significantly. A completed foreclosure stays on your credit report for 7 years and can drop your score by 100 to 150 points or more. When you sell your home before the foreclosure sale is completed, the transaction is recorded as a standard home sale — not a foreclosure. While missed mortgage payments will still appear on your credit history, avoiding the completed foreclosure itself is a major difference in how quickly your credit recovers and how soon you can qualify for future financing.

At closing, Byrd and Co’s title company pays off your remaining mortgage balance directly to your lender from the sale proceeds — the same way any traditional home sale works. If the cash offer exceeds what you owe, you receive the difference as cash at the closing table. If you owe more than the home is currently worth (negative equity), our team can discuss your specific options honestly — including whether a short sale negotiation with your lender might work for your situation.

Zero. There are no fees, no commissions, and no closing costs when you sell to Byrd and Co. We cover the entire transfer tax (which varies by state), all title company or settlement attorney fees, all recording costs, and every other settlement expense. The cash offer we present is the net amount you receive after your mortgage is paid off. Nothing is deducted between the offer and the closing table.

Byrd and Co can close in as few as 7 days when the title is clear. In foreclosure situations where the sale date is imminent, our team prioritizes the transaction and coordinates directly with the title company, lender, and any court-related parties to ensure closing happens before the scheduled sale. We’ve successfully closed properties within days of a sheriff’s sale, trustee’s sale, and Commissioner’s Sale. The tighter the timeline, the more important it is to call immediately — every day of delay narrows the window.

Yes. Byrd and Co does not sell, share, or distribute your personal information to third parties. Your property details, phone number, and email address are used solely by the Byrd and Co team to evaluate your property and communicate with you about a potential offer. All form submissions are transmitted securely, and you can opt out of communication at any time by replying STOP to any message or contacting the team directly.

Byrd and Co helps homeowners facing foreclosure across all 15 states we serve: Maryland, Delaware, Ohio, Virginia, Florida, Indiana, New Jersey, Arizona, Pennsylvania, New York, Connecticut, Massachusetts, Colorado, Kentucky, and Tennessee. Each state has a different foreclosure process — some are judicial (going through the courts), some are nonjudicial (handled by a trustee), and timelines range from 60 days to over 3 years. Byrd and Co understands the specific process in your state and can close before your sale date regardless of which system applies.