Behind on payments or facing foreclosure?
If time matters, a cash sale with a fixed closing date can pay off the loan before the process goes further.
Last updated November 8, 2026
- Offer in 24 hours
- Close in 7 to 35 days
- No fees. No repairs.
Falling behind on a mortgage is stressful, and the letters and calls from the lender make it worse. Many owners wait, hoping it will pass, and lose the time they had to choose what happens next.
If you sell before the foreclosure is final, the loan is paid off from the sale price at closing. Any money left after the payoff and liens goes to you. Foreclosure rules and dates are different in each state and each case, so speak with a lawyer or a HUD-approved housing counselor about your own dates.
How a cash sale helps
A fixed timeline
You get the offer in writing within 24 hours and choose a closing date from 7 to 35 days out.
The payoff is handled at closing
A licensed title company orders the payoff from your lender and pays it from the sale.
As is
No repairs or cleaning. Leave anything you do not want to take with you.
Private
No sign in the yard, no showings, no strangers walking through your home.
Three steps. One fresh start.
Tell us about the house
Fill out the form or call. We look up the property and call you back within one business hour.
Get a written cash offer
Within 24 hours you get a firm number in writing, with the comparable sales we used attached. No pressure.
Close when you want, get paid
Pick any closing date from 7 to 35 days. A licensed title company handles the paperwork. We pay the closing costs.
What to have ready
- The latest letter from your lender, with any sale date it names.
- Your loan number, so the title company can order the payoff.
- Any other liens, such as a second mortgage or unpaid taxes.
- A lawyer or HUD-approved housing counselor for advice on your own case.
Questions and answers
Can I still sell if the foreclosure has started?
In many cases, yes. You still own the house until the foreclosure sale, and a sale that pays your lender in full ends the process. BIMINIO can send a written offer within 24 hours and close in as little as 7 days. A lawyer can tell you the exact deadlines in your case.
What if I owe more than the house is worth?
Tell BIMINIO what you owe on the first call. If the loan is larger than the price, the sale needs your lender to accept less than the full payoff. Lenders decide that case by case. A lawyer or a housing counselor can explain your options before you sign anything with anyone.
Do you give legal advice?
No. BIMINIO buys houses and gives no legal, tax or financial advice. We can explain how a cash sale works and what happens at closing. For your rights in a foreclosure, your deadlines and any defenses, please talk to a lawyer or a housing counselor in your state before you decide.
Who pays my lender?
The licensed title company does. At a BIMINIO closing the title company orders the payoff amount from your lender and pays it from the sale price. Any liens on the house are paid the same way. You receive what is left, and you do not need to pay the lender anything yourself first.
How quickly can you close if the sale date is close?
BIMINIO can close in as little as 7 days once the title company clears the paperwork. Call us as soon as you can, because the title search and the payoff letter take a few days. Tell us the foreclosure sale date on the first call so we can plan the closing around it.
Will anyone know I am selling?
Not from BIMINIO. There is no sign in the yard, no online listing, no open house and no strangers walking through your home. We never sell your information, and your mobile number and text message consent are never sold, rented or shared. The sale stays between you, us and the title company.
Are there any fees or commissions?
No. BIMINIO charges no fees and no commissions, and we pay the closing costs. The number on the written offer is the number you receive at closing, less any mortgage payoff or liens on the house. Those are paid from the sale by the licensed title company, so you do not pay them out of pocket first.
What happens after I fill out the form?
BIMINIO sends you a text within a minute and a person calls you within the hour, 7 days a week. We ask a few questions about the house, look up the property and nearby sales, and send a written offer within 24 hours. There is no obligation at any point, and you can say no.
This page is general information. BIMINIO does not give legal, tax or financial advice. Rules and deadlines differ in Florida and Arizona and change over time. For your own case, ask a lawyer, a tax adviser or a HUD-approved housing counselor in your state.
Get a written cash offer
A firm number within 24 hours. No fees, no repairs, no obligation.