Selling Before Foreclosure in Santee
If a sale can close before the trustee's sale date, the equity above what you owe stays yours. In Santee we can close in 7 to 10 days.
Being twenty or thirty years newer than the rest of East County means the bones are usually sound and the work is finishes, roofing, and HVAC rather than rewiring — but flat river-valley ground means flood zone designation is worth checking before anything else, because it governs insurance and what a future buyer can finance. Condition is not an obstacle here — we buy as-is, so nothing has to be repaired with money you do not have, and the title work and lien payoffs come out of the proceeds rather than out of your pocket.
7–10Days to closeQuick answer
Garner Group buys houses in Santee from owners in default and can close in 7 to 10 days, which is often fast enough to complete a sale before a scheduled trustee's sale. Selling beforehand means any amount above the total payoff goes to you instead of being lost at auction. Speak to your lender and a HUD-approved housing counsellor as well — selling is not always the best option.
What we
actually do.
A largely 1970s and 80s East County suburb, newer than neighbouring La Mesa and El Cajon, built as tract housing on flat ground along the San Diego River valley.
Talk to your lender's loss mitigation department and a HUD-approved housing counsellor before you decide. Loan modification, forbearance and repayment plans exist, cost nothing to ask about, and keeping the house is a better outcome than any sale, including one to us. Selling is the right answer when the arrears are past catching up and there is equity worth protecting.
- 1Fast enough to beat most trustee's sale dates
- 2Any equity above the payoff goes to you at closing
- 3Liens, back taxes and HOA arrears cleared through escrow
- 4Bought as-is — no repairs funded by you
We are the
buyer.
When you call Garner Group about sell house before foreclosure in Santee, you are talking to the person who will own the house. We buy in our own name with our own funds and renovate it ourselves — your contract does not get sold on to another buyer, and the price does not move after you accept it. That has been the rule since 2016.
We also do:
Selling Before Foreclosure in Santee — FAQ
Is it too late if a sale date is already set?
Not necessarily. A trustee's sale can sometimes be postponed when a legitimate purchase is in escrow, but that is the lender's call and it depends how much time is left. Call with the date and we will tell you honestly whether it is realistic.
What if I owe more than the house is worth?
Then it needs lender approval as a short sale, which takes far longer than 7 to 10 days and is not guaranteed. We will tell you that is your situation rather than tying the house up while you find out the hard way.
Do I get any money?
Yes, if the price exceeds the total payoff including arrears, fees and liens. That surplus is yours at closing, and it is the main reason to sell rather than let the house go to auction.
Who else is contacting me, and should I trust them?
Default notices are public record, so everyone in this position gets contacted by a lot of people. Nobody legitimate needs you to sign over your deed, pay a fee up front, or send your mortgage payments to them instead of your lender.
Find out what we'd pay.
Tell us about the house. We'll come and look at it, explain how we got to the number, and tell you plainly if you would do better listing it instead.