We Buy Pre-Foreclosures in the St. Louis Area

There are options that the bank doesn't make obvious to you. We can run through them with you.
Foreclosure help

Most people don’t realize that they have options when it comes to their lender filing paperwork to start the foreclosure process on their home. Typically, your bank won’t really tell you much, although that’s not always true.

 

If you give us a call, we’ll call the bank with you (if you want to keep your house) and talk with them to see how willing they are to work with you in your situation. A couple of ideas we run by them are:

  • Adding the arears to the end of the loan.
  • Loan mod.
  • Adding another person to the loan in order to strengthen your position.

  • Plus a few tricks of our own.

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The process of foreclosure in Missouri

Missouri state foreclosure laws are pretty complex but we really only need to understand a few things.

  • Timeframe
  • Ways to stop it
  • Other options

Missouri is a “non-judicial state for foreclosures, this just means that the lender does not need to go to court to foreclose on your home.

 

They cannot issue a notice of sale unless you are in delinquent status for 120 days.

 

The sale is to be 40-50 days after the notice.

 

The lender is required to make notice of the sale by publishing it in a newspaper for roughly 4 weeks before the sale date.

 

There are ways to postpone the sale date in order to buy time for a better solution, we know these ways.

 

 

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Ways We can Help you with your Pre-Foreclosure

The basics solutions to a pre-foreclosure are:

 

  • Working with the bank (if your current financial situation will allow)
  • Shortsale
  • Subject to
  • We buy your house

Working with the bank is usually priority #1 if you’d like to stay in your home. It actually includes a few different options. A quick phone call with your lender will reveal to us what options, if any, they’re willing to entertain.

 

Shortsales can be beneficial if  the bank will not work with us on anything. It will help your credit score and stop you from a receiving a foreclosure on your credit history. 

 

Subject to is an option where someone outside of the deal takes over your payments. This also prevents you from getting a foreclosure on your credit.

 

We buy your house, if you just want to leave, and some people do, or if the bank will not budge, we can buy your house from you.

 

We’ll buy your preforclosure house in as-is condition to get you from under the loan and in many cases you can walk away with money.

Shortsale St Louis

FAQ's

Pre-foreclosure begins when you’re 120 days delinquent on payments, triggering a Notice of Default. Missouri uses a non-judicial process—no court needed—so lenders can move fast. We can help spot early signs and explore options before it escalates to auction.
After the 120-day delinquency notice, the sale is set 40-50 days later, with a 4-week newspaper publication period. You can postpone via hardship letters or our negotiation help, buying time for solutions like a short sale or cash offer.
Hidden gems include adding arrears to your loan, loan modifications, or adding a co-borrower. If you want to keep your home, we’ll call the bank with you to push for these—many homeowners qualify but aren’t told.
Yes! We prioritize bank workouts first. If that fails, options like short sales (bank-approved below-market sale), cash payout so that you gain the equity or “subject to” deals let you transfer the loan without credit hits. Our goal: Protect your record and get you relief.
Simple: Contact us for a free consult. We assess your situation, make a fair as-is cash offer (often with money left over), and close on your timeline—7-30 days. No repairs, fees, or realtors; we handle the loan payoff directly.
Absolutely—pre-foreclosure sales or short sales show as “settled” on reports, not “foreclosure,” saving 100+ points vs. auction dings. We focus on clean exits to rebuild faster.
Yes, anywhere in the St. Louis area—urban, suburbs, or beyond. Ugly houses, inherited properties, or those needing work? We buy as-is to lift the burden, no cleaning required. Walk away debt-free, often with cash.
Short sales need bank approval and take longer; subject-to keeps the loan in your name. We offer direct cash buys for speed and simplicity—no approvals, just relief. All no-obligation; we’ll guide you to the best fit.
100% free and no-pressure—we’ll review options (even non-sale ones) without commitment. Many clients start with a quick call to negotiate with their lender first.
Even then, we can help postpone via affidavits or fast-track a purchase. Act now: Missouri sales happen quick, but we’ve saved St. Louis homes at the 11th hour with cash offers.

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