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Frequently Asked Questions

Foreclosure Questions, Answered

Whether you’re behind on mortgage payments or already facing a foreclosure sale date, these answers explain your options and how our process works.

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How many months behind on my mortgage before foreclosure starts?

In Oregon and Washington, lenders typically can't start the foreclosure process until you're about 120 days — roughly four months — behind on mortgage payments. If you've received a notice of default, it's worth talking through your specific timeline with us as soon as possible.

What does "notice of default" mean?

A notice of default is the formal notice your lender files once you're far enough behind on mortgage payments — it's the official start of the foreclosure process, not the end of your options. You typically still have time to catch up, negotiate, or sell before an auction date is set.

Can I still sell my house if it's already in foreclosure?

Yes. Even after a notice of default or a scheduled auction date, homeowners in Portland and Vancouver often still have time to sell before the bank takes control. We'll help you understand exactly how much time you have left and walk through your options for free.

Do I have to make any repairs?

No, you don't have to fix anything.

Do you offer foreclosure assistance for veterans?

Yes. We work with veteran homeowners facing foreclosure and can help you understand VA foreclosure assistance programs alongside your options for selling quickly

How do you determine your offer price?

We look at the condition of your property, recent sales in the area, and any repairs needed. Our goal is to make a fair offer that works for both of us.

Is this legal?

Yes, absolutely. Wholesaling is a 100% legal real estate strategy. We follow all local laws and work with licensed title companies and attorneys to make sure everything is above board.

What happens if you can't find a buyer?

We take that risk, not you. Once you sign with us, you can move forward confidently knowing we're fully committed to closing.

Can I stay in the house after selling? (Post-closing occupancy)

In many cases, yes. We can arrange for you to stay for a short time after closing if needed, with a clear agreement in writing.

How does this wholesale process work?

We make you a fair cash offer based on your property's condition and market value. If you accept, we either buy it ourselves or connect it with one of our trusted buyers — at no extra cost to you. You get paid at closing, simple as that.

Will there be any fees or commissions?

No fees, no commissions. You won't pay a dime out of pocket. What we offer is what you take home, minus any normal closing costs we often cover.

Don't let property problems become personal burdens.

Take the first step toward stopping foreclosure and protecting your equity.

Call or text us now:

(503) 483-6461

Email Us:

truehomeacquisitions@gmail.com

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Whether you’re facing foreclosure, going through a divorce, dealing with an inherited property, or simply overwhelmed — we help Portland and Vancouver homeowners find a real path forward. No pressure. No judgment. Just honest options.

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