We Understand What You're Going Through
The Clock Is Running
From the date a Notice of Default is recorded with the county, you have a minimum of 90 days before a trustee sale date can be set — then 21 more days after the Notice of Trustee Sale. Every day you wait is a day closer to losing control.
Your Credit Is at Stake
A foreclosure stays on your credit report for 7 years. A short sale or pre-foreclosure cash sale causes significantly less credit damage — often the difference between qualifying for a rental or not.
You May Still Have Equity to Protect
Long Beach median home prices are $825,000+. Even with 3–6 months of missed payments, many homeowners have substantial equity that would be lost in a foreclosure auction. A cash sale often preserves tens of thousands of dollars.
The Stress Is Overwhelming
Loan modification negotiations, HUD counselors, lender calls, legal notices — the administrative burden of dealing with foreclosure is crushing. A clean cash sale ends all of it at once.
The Bank Doesn't Care About Your Equity
At a trustee sale, the bank's goal is to recover what they're owed — not to maximize your sale price. Any equity above what you owe goes to junior lienholders, not to you.
Here's Exactly How We Help
We close fast enough to beat the auction
We can close in as little as 7 days — often before a trustee sale date is even scheduled. We've closed sales with auction dates as close as 10 days away. Tell us your timeline immediately.
A clean cash sale protects your credit
A pre-foreclosure sale shows on your credit as a traditional sale — not as a foreclosure, not as a short sale. The long-term credit impact is dramatically better.
You keep the equity above what you owe
We pay your mortgage off through escrow, pay off any other liens, and send you the remaining proceeds. At a foreclosure auction, that equity evaporates.
We work directly with your lender if needed
If the property is underwater (you owe more than it's worth), we can negotiate a short sale with your lender on your behalf — a process where the lender agrees to accept less than the full payoff.
No open houses, no strangers, total privacy
You don't host showings while facing a stressful situation. We come once, make our offer, and handle everything quietly.
The Jay Buys Houses guarantee: North Long Beach (90805) has the highest concentration of foreclosed homes in the city — 158 properties at last count. We actively purchase in 90805, 90813, 90810, 90806, and all Long Beach zip codes. We know the specific market dynamics that affect your offer.
How the Process Works
Call or Submit
Fill out our form or call (562) 234-2832. We call you back within 5 minutes.
We Visit & Show the Math
Within 24 hours we visit and present a written offer with every number explained.
Pick Your Date & Get Paid
You choose the closing date. We handle all paperwork. Cash wired same day.
"The foreclosure auction was 18 days away. Another investor told me it was too late to help. Jay told me 18 days was enough and proved it — we closed 14 days later. The auction never happened. My credit took a hit from the NOD but not from an actual foreclosure. That made a massive difference for my future."
Questions About Your Situation
Ready to Talk Through Your Options?
Call Jay directly — no obligation, no sales pitch. Just an honest conversation about what makes sense for your situation.