Sell Your Behind on Payments House Fast in Ohio

Ohio is a judicial foreclosure state, meaning a lender must file a lawsuit in the county Court of Common Pleas before your home can be sold — a process governed primarily by Ohio Revised Code Chapter 2323 and Chapter 5721. After your first missed payment, most loan servicers wait until you are at least 120 days delinquent before filing the foreclosure complaint, in line with federal CFPB mortgage servicing rules. Once the complaint is filed, the entire court process — including service of summons, a default or summary judgment, and the scheduling of a sheriff's sale — typically takes an additional six to twelve months depending on court backlog and whether you respond to the lawsuit. Before the sheriff's sale date is confirmed, homeowners have real options: a loan modification, a short sale, a deed in lieu of foreclosure, or a direct cash sale can all stop the process and, in many cases, let you walk away without a deficiency judgment following you.

• Cash offer within 24 hours
• Close in 7 days or on your schedule
• Buy as-is — no repairs required
• We pay all closing costs
• No agents, no commissions