Pre-foreclosure is one of the most stressful situations a homeowner can face. If you’ve fallen behind on payments in Mobile, Alabama, you may be wondering: Do I still have options?

The good news is yes — you can often sell your home before the bank completes foreclosure.

What Is Pre-Foreclosure?

Pre-foreclosure is the stage after you’ve missed several payments but before the lender has repossessed the property. In Alabama, lenders typically file a Notice of Default before beginning foreclosure proceedings.

Why Sell During Pre-Foreclosure?

Selling during this stage allows you to:

Avoid foreclosure on your credit record
Pay off the mortgage and potentially save equity
Move on without the stress of legal action

Selling Options

List with a Realtor: Possible, but you’ll need to act fast and find a buyer who can close before foreclosure.
Short Sale: If your home is worth less than the mortgage, the lender may accept a discounted payoff.
Cash Buyer Sale: Companies like Hapa Homebuyers can step in with a quick, fair cash offer and close in days — often before the bank finalizes foreclosure.

Why a Cash Sale Helps in Urgent Situations

Traditional buyers rely on bank financing, which takes weeks. A cash buyer can close much faster, helping you avoid foreclosure and protect your financial future.