Get independent help promptly.
Contact your mortgage servicer about available options and seek help from a HUD-approved housing counselor or qualified California attorney. If a sale date is scheduled, tell them immediately.
Talking with Spruce Homes or receiving an offer does not stop or postpone foreclosure. We cannot promise to prevent a foreclosure or protect a credit score.
Look at the numbers and deadlines.
If you want to explore a sale, gather your notices and ask your servicer or advisors about the current payoff and deadlines. Do not send sensitive account documents through this preview.
Whether a sale is feasible depends on the timeline, title, payoff requirements, and other facts. An offer alone is not a completed sale.
Understand the agreement first.
California has specific protections for certain homeowners selling to investors during foreclosure. Have a qualified attorney review the transaction and applicable rights before signing.
Choose a reputable title and escrow company and ask for an estimate of the proceeds you would receive. Compare selling with the alternatives available to you.