California cash home buyers
A few missed payments do not have to become a foreclosure. Sell for cash now, on your timeline, and walk away with the loan resolved and your options intact.
The process
Three simple steps. No pressure, ever.
Address and a few details about your situation. Takes 60 seconds.
A fair, no-obligation cash offer within 24 hours.
Close in as little as 7 days — or on your timeline.
Your situation
Most people fall behind gradually: one hard month, then another, and suddenly catching up means paying two or three payments at once — plus late fees — while every other bill is also due. In California that matters more than most places, because once a lender starts the foreclosure process, the timeline to auction can be just weeks.
Wise Revival, founded by Alberto Molina and Kyle Sowell, buys houses from owners who are behind on payments all over California. If you sell before the process starts — or early in it — you are choosing the outcome instead of having it chosen for you: a cash offer within 24 hours, a closing in as little as 7 days, and no repairs or catch-up payments needed first.
How we handle it
Reach out and tell us the basics: the address, about how far behind you are, and whether you have received any formal notices. We will give you a fair cash offer within 24 hours and a plain-English explanation of the numbers — what the sale would pay off and what you would walk away with, if anything. No judgment, no pressure, and no obligation.
If the offer works, we buy the house as-is and close on a date you choose — fast if the timeline demands it, later if you need time to line up your next home. Compare that with listing traditionally for months while the arrears grow: a cash sale stops the slide and resolves the loan on a date you can plan around.
Situations we see every week
The window where selling does the most good. Catch the problem while it is still small.
A notice of default starts a fast California clock. Selling during it can still resolve the loan.
If the servicer denied a modification or the new payment is still too high, a sale is a real alternative.
If every month is a near-miss and the house needs work too, selling as-is can end the squeeze.
Behind on payments and behind on maintenance usually travel together. We buy it exactly as it sits.
Sell, resolve the loan, and choose your next home on purpose instead of under a deadline.
California information
Two clocks protect a California homeowner who falls behind. First, for most loans, federal rules bar the servicer from making the first foreclosure filing until the loan is more than 120 days delinquent (12 C.F.R. § 1024.41(f)(1)(i)). California law adds its own pre-filing step: the servicer must contact you — or satisfy the due-diligence rules for trying — and 30 days must pass before a notice of default may be recorded (Civil Code § 2923.5). While a complete loan-modification application is pending, the Homeowner Bill of Rights generally bars the servicer from recording a notice of default or notice of sale or holding a sale (Civil Code § 2923.6). If you are in that window now, your options are widest: cure, apply for loss mitigation, talk to a HUD-approved housing counselor, or sell the house on your own timeline — selling before the sale date means the loan is paid off at closing through escrow, which is a fact about a purchase, not a rescue service.
Once a notice of default is recorded, know the two deadlines that matter. You may reinstate — pay everything past due plus permitted costs and fees, not the whole loan — until five business days before the scheduled sale (Civil Code § 2924c). And if you SELL to an investor buyer while the notice of default is outstanding, Civil Code § 1695 gives you until midnight of the fifth business day after signing (or 8 a.m. on the sale day, if sooner) to cancel, and bars the buyer from taking a deed, recording anything, paying you, or assigning its contract until that period fully ends. Two warnings California law backs up: a foreclosure consultant may never charge you a fee before fully performing every promised service, and may never acquire an interest in your home (Civil Code § 2945.4) — we are a buyer, never a consultant, and we charge homeowners nothing. And never sign a leaseback or 'stay in the home and buy it back later' promise as an inducement to sell in foreclosure; in a § 1695 transaction those promises are among the highest-risk terms in the deal.
This page provides general information about California law for educational purposes only. It is not legal advice, and it does not create an attorney-client relationship. Laws and deadlines change, and your situation may be different. Before you sign anything or rely on any date or figure shown here, consult a licensed California attorney or a HUD-approved housing counselor about your specific circumstances.
The Wise Revival standard
The rules we never break.
Get started
Free, no obligation. We reply within 24 hours.
Good to know
Yes. Being behind does not block a sale — the loan gets paid off from the sale proceeds at closing, like any other sale. The key is acting while there is still equity room and time, which is why sooner is better.
No. We buy houses from owners who are current, behind, and everywhere in between. You do not need to cure anything first.
That combination is exactly what we buy. We purchase as-is, so repairs are not your problem, and the offer reflects the real condition of the house.
In as little as 7 days. If you have received notices with deadlines, tell us — we will give you an honest answer within 24 hours about what timeline is realistic.
Tell us anyway. We will run the numbers and be straight with you. If a sale cannot solve it, hearing that early — for free, with no obligation — is still useful, and a HUD-approved counselor can walk through your other options.
WISE REVIVAL