Facing foreclosure in Washington, DC can be overwhelming. If you’re behind on payments or at risk of losing your home, it’s important to act quickly. This guide explains how to stop foreclosure fast in DC and what options are available—especially if you’re considering selling your home before the auction.
Whether your home is outdated, inherited, behind on taxes, or in need of major repairs, Capitol Cash Offer can help you stop foreclosure with a fast, fair cash offer—no agents, no fees, no delays.
What Is Foreclosure in Washington, DC?
Foreclosure is the legal process a lender uses to repossess a home after the borrower fails to make mortgage payments. In DC, foreclosure can move quickly—especially non-judicial foreclosures, which don’t require court approval.
Once a Notice of Default is filed, the timeline to a foreclosure sale can be as short as 60 days.
Your Foreclosure Timeline in DC (Typical Progression)
- Day 1: Missed mortgage payment
- Days 45–60: Lender sends Notice of Intent to Foreclose
- Day 90+: Notice of Foreclosure Sale is filed
- Day 120–150: Foreclosure auction scheduled
Important: Once an auction date is scheduled, options become limited—so act fast.
How to Stop Foreclosure in Washington, DC
1. Loan Modification
You can request new loan terms from your lender. This may include lowering your payment or extending your loan term. However, this process can take weeks, and approval isn’t guaranteed.
2. Reinstatement
You pay the full past-due amount (plus penalties and interest) to bring the loan current. This works only if you have the funds available.
3. Chapter 13 Bankruptcy
Filing bankruptcy can pause the foreclosure, but it damages your credit and may result in legal fees. It should be a last resort.
4. Sell Your House Fast for Cash
If you act quickly, you can sell your home before the auction and completely avoid foreclosure. Capitol Cash Offer can:
- Provide a no-obligation cash offer within 24 hours
- Close in as little as 7 days
- Handle all paperwork
- Cover closing costs and buy the home as-is
Benefits of Selling to a DC Cash Homebuyer
- ✅ Stop foreclosure and save your credit
- ✅ No agents, open houses, or delays
- ✅ Sell without making repairs or cleaning
- ✅ Close fast, on your terms
Even if your property is behind on taxes, occupied by tenants, or has major issues, Capitol Cash Offer will buy it—no questions asked.
Real Example: DC Townhome Saved from Auction
A homeowner in Northeast DC contacted us just 2 weeks before their foreclosure sale. They were 5 months behind on their mortgage and had no way to catch up. We made a cash offer within 24 hours and closed the sale in just 6 days. The foreclosure was canceled, and the homeowner walked away with money in hand and their credit protected.
Frequently Asked Questions
Can I sell my house before foreclosure in DC?
Yes. If you sell before the foreclosure auction, you can completely avoid foreclosure and its impact on your credit.
How long do I have to stop foreclosure?
Typically up until a few days before the auction. The earlier you act, the better your chances.
Will a cash buyer purchase a home with code violations or major repairs?
Yes. We buy homes in any condition—including those with structural damage, liens, mold, and more.
Will this show up on my credit report?
If you sell before the foreclosure is complete, the foreclosure won’t be listed on your credit report, helping you avoid years of damage.
Get a Cash Offer Today and Avoid Foreclosure in DC
If you’re facing foreclosure in Washington, DC, don’t wait. Time is critical. Capitol Cash Offer has helped homeowners just like you avoid foreclosure, stop the auction, and move forward with peace of mind.
📞 Call us today at 202-235-2323
💻 Or request your free offer at CapitolCashOffer.com
Capitol Cash Offer – Helping DC homeowners avoid foreclosure since 2015