Selling path
Behind on payments? The options depend on how much time is left
Foreclosure timelines vary by state and by lender. What matters is which door is still open today: reinstatement, sale with equity, short sale, or deed in lieu. We will tell you plainly if selling does not solve your problem. CloseCenter does not provide legal or financial advice and charges you nothing.
Term sheet
How this compares to the alternatives
Same four questions for every path. Read the row you care about across all three columns.
This page
Avoid foreclosure
Compare
Cash offer
Compare
Find your Realtor
Right for you if
Avoid foreclosure
you are behind on payments or have received a notice.
Cash offer
certainty and speed are worth more to you than the last dollar of price.
Find your Realtor
your house is in condition to list and you want the highest realistic price.
What it costs you
Avoid foreclosure
A sale with equity pays normal commission from proceeds. A short sale is typically paid by the lender. CloseCenter is free to you.
Cash offer
No commission and no repairs, but the offer comes in at a discount to open-market price. How big depends on condition and location, and we put the number in front of you.
Find your Realtor
Standard local commission, paid at closing. CloseCenter costs you nothing — the agent pays us 30% of their referral-side commission.
Realistic timeline
Avoid foreclosure
Days to months, depending on your state and where you are in the process. Speed is the whole game here.
Cash offer
Usually closes within about 2 weeks, depending on title work or issues that turn up. You usually pick the date.
Find your Realtor
Time on market varies with price and condition, then closing usually runs a few weeks once you are under contract.
What can go wrong
Avoid foreclosure
Running out of time. Also equity-stripping offers from people who target distressed owners — read anything before you sign it.
Cash offer
Retrading — the buyer lowers the price after inspection. Ask for proof of funds and a hard, non-refundable deposit before you take the property off market.
Find your Realtor
The house sits. Price was wrong, condition was wrong, or the agent went quiet. That is what the 30-day review exists to catch.
Ranges are general and depend on your market, condition, and lender. Nothing here is legal, tax, or financial advice.
This fits you if
- You have missed payments or received a default notice
- A sale date has been set and you need to move now
- You owe close to or more than the property is worth
- You want to protect your credit as much as still possible
Look elsewhere if
- You can reinstate the loan and want to keep the house — call your servicer first
- You want someone to promise a specific legal outcome. No one honest will
What we hold the agent to
The accountability layer
Four standards, in writing, the same on every referral. Not a service promise — a set of conditions the agent keeps or loses the referral.
Full-time agents only
Real estate has to be the agent's primary income. We do not screen on closing counts — a low-volume full-time agent beats a high-volume part-timer on responsiveness.
If it slips: the referral moves to another agent in the area. Coverage is not exclusive.
Contact within 4 hours
The agent calls you within 4 hours of receiving the referral, same business day. Not a text blast, not an automated drip — a call from the person who will handle the file.
If it slips: tell us. We reassign, and we tell you we did.
30-day listing review
At day 30 the agent sits down with you and reviews their own numbers: showings, feedback, days on market, price position. No spin, no new photos as a substitute for a decision.
If it slips: we run the review ourselves and put the numbers in front of you.
On the file through closing
One person at CloseCenter owns your outcome from the first call to the closing table. You are not handed off to a queue.
If it slips: you have a direct line and a name, not a support inbox.
Process
What happens, in order
No mystery steps. If a step slips, you hear it from us before you notice it yourself.
- 1
Call, do not email
Timeline questions get answered fastest by phone. We will not stall you.
- 2
Establish the deadline
Notice date, sale date, and reinstatement figure from your servicer.
- 3
Check for equity
Equity means you may be able to sell and walk away with money. No equity points toward a short sale.
- 4
Pick the fastest viable path
Cash offer for speed, listing for price, short sale if you are underwater.
- 5
Close before the date
We hold the timeline and stay on the file until it closes.
FAQ
Questions people actually ask
Next step
Start with a conversation, not a contract
There is nothing to sign with CloseCenter and nothing to cancel. Sellers pay us nothing, ever.