Sell Your Behind on Payments House Fast in South Carolina

South Carolina is a judicial foreclosure state, meaning lenders must file a lawsuit in the Court of Common Pleas to foreclose on a property — there is no out-of-court trustee sale process here. After a homeowner misses payments, lenders typically wait until the loan is at least 120 days delinquent before filing suit under federal mortgage servicing rules, and once filed, the court process in SC can take anywhere from 6 to 18 months depending on the county's docket backlog and whether the homeowner contests the action. Under SC Code § 29-3-630 and related statutes, the court will issue a foreclosure judgment and schedule a sale through the Master-in-Equity or Special Referee, with the sale date published for at least three consecutive weeks before the auction. Before that sale date is confirmed — which happens roughly 30 days after the auction — homeowners retain the right to redeem the property or negotiate alternatives, and options like a short sale, deed-in-lieu, loan reinstatement, or selling to a cash buyer can all stop the process at various stages.

• 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