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FORECLOSURE PREVENTION · CENTRAL VIRGINIA

Facing Foreclosure in Virginia? Sell Before the Bank Takes It.

If you've fallen behind on mortgage payments and a foreclosure notice is on the way, you may still have options. Mission Realty Capital can purchase your home quickly for cash, potentially before the bank forecloses, allowing you to preserve your equity and protect your credit.

★ 5.0Google Rating
24hrCash Offer
$0Fees or Commissions
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Get your cash offer

STEP 1 OF 2: Your contact info

No obligationSell as-isNo showingsYou pick the date
✓ Sell As-Is ✓ No Repairs Required ✓ Zero Fees or Commissions ✓ Close in 7-14 Days ✓ Licensed Broker ✓ No Obligation

Time is the most important factor

Virginia is a non-judicial foreclosure state, which means lenders can foreclose relatively quickly without going through court once you're in default. Once a foreclosure sale is scheduled, your options narrow dramatically. The earlier you act, the more room you have to work with.

If you're behind on payments or have received a notice of default, contact us immediately. We can typically close in 7 to 14 days, which may be enough time to sell before the foreclosure sale happens, allowing you to walk away with whatever equity remains in the property rather than losing everything to the bank.

What happens to your equity in foreclosure

In a foreclosure, the bank sells your home at auction, usually for less than market value. After the bank recoups what they're owed, any remaining equity goes to junior lienholders, then potentially to you, but in practice, homeowners in foreclosure rarely see much, and in some cases, a deficiency judgment means you still owe money even after the home is gone.

A pre-foreclosure sale is completely different. You sell the home before the auction, pay off the mortgage from proceeds, and keep whatever is left. If your home has equity, a cash sale with us may be the difference between leaving with money in hand and leaving with nothing.

We buy homes in any condition, even with missed payments and liens

We purchase homes regardless of how many mortgage payments you've missed. We also buy properties with tax liens, HOA liens, and other encumbrances. The title company handles clearing these at closing from the sale proceeds. You don't need to resolve the liens yourself before we can close.

We handle the process confidentially

We know foreclosure is stressful and private. We conduct every transaction with complete discretion. There are no yard signs, no open houses, and no public notices. You tell us what you need and we work quietly toward a fast close.

THE PROCESS

How it works

1

Tell us about the property

Fill out the quick form above or call us. We'll ask a few simple questions about the home and your timeline.

2

Get your cash offer

We review the property and deliver a no-obligation cash offer within 24 hours, usually same day.

3

Close when you're ready

Pick your closing date. We close through a local title company. No repairs, no showings. Cash in hand.

WHAT CLIENTS SAY

Real experiences from real sellers

GOOGLE REVIEW

Professional, honest, and efficient from start to finish.

"Grant demonstrated a high level of professionalism throughout the entire process. He took the time to thoroughly address all of my questions and maintained clear and transparent communication every step of the way. I truly appreciated his honesty and straightforward approach. I would highly recommend reaching out to Grant if you are seeking a reliable and efficient cash offer on your property."

Garrett R.Google Review
★★★★★
GOOGLE REVIEW

Seamless experience, someone you can trust.

"The real estate business is all about relationships and finding someone you can trust. We had the pleasure of working with Grant Leonard at Mission Realty Capital. He made the experience seamless and helped with all our questions along the way. I would highly recommend Grant and Mission Realty."

AM HomesGoogle Review
★★★★★
GOOGLE REVIEW

Smooth closing and a genuinely great experience.

"Grant was great to work with. He was very communicative, quick to respond, and stayed on top of the closing. On top of that, he has a fantastic personality. I genuinely enjoyed every phone call with him. If you have the opportunity to work with Grant, you will get not only a smooth closing but a fun experience as well."

JacobGoogle Review
★★★★★
FAQ

Common questions

In most cases, 7 to 14 days from the time we have a signed purchase agreement. If a foreclosure sale date has already been scheduled, we may still be able to move fast enough, but contact us immediately.

Yes. Once we close, the mortgage is paid off from proceeds and the foreclosure process ends. Timing is critical: we need to close before the foreclosure auction date.

If you owe more than we can offer, a short sale may be an option. This requires your lender's approval and takes longer, but it can still be preferable to foreclosure. We can walk you through what that looks like.

A pre-foreclosure sale is significantly better for your credit than a completed foreclosure. A foreclosure stays on your credit report for 7 years and severely limits your ability to purchase another home. A voluntary sale, even a short sale, typically has a much smaller and shorter-lasting credit impact.

We buy properties with tax liens and other encumbrances. These are resolved at closing from the sale proceeds by the title company. You don't need to pay them out of pocket beforehand.

SERVICE AREA

We serve all of Central Virginia

Richmond, Chesterfield, Henrico, Hanover, Hopewell, Colonial Heights, Petersburg, Midlothian, Glen Allen, Chester, Mechanicsville, Ashland, Powhatan, Goochland, and surrounding areas.

Richmond, VA Midlothian, VA Glen Allen, VA Chesterfield, VA Fredericksburg, VA Chester, VA Mechanicsville, VA Colonial Heights, VA Hopewell, VA Ashland, VA Powhatan, VA Goochland, VA
READY WHEN YOU ARE

Don't wait. The clock is running.

The earlier we talk, the more options you have. Cash offer in 24 hours, close in as little as 7 days.

Get My Cash Offer → Call (804) 709-3941