Don’t Let Your South Carolina House Go Into Foreclosure.
If you’re behind on your mortgage, getting foreclosure notices, or worried about an upcoming auction date, you’re not alone. Many South Carolina homeowners and mobile home owners across the Upstate and Midlands are in the same spot after job loss, medical bills, divorce, or other life changes.
Foreclosure damages your credit for years, makes it harder to buy again, and creates constant stress for your family. At Table Rock Homebuyers, we offer two simple options to help you move forward:
- Mortgage Relief Program (“Save My Credit”) – We can take over payments, catch up past-due balances and back taxes, and help keep foreclosure off your credit report.
- Cash Sale Before Foreclosure – We can buy your South Carolina house or mobile home as-is for cash so you can walk away and get a fresh start.
There are no fees, no gimmicks, and no obligation. You simply tell us about your property and situation, and we walk through the options that make the most sense for you and your family.
Your Two Main Options To Avoid Foreclosure In South Carolina
Option 1: Mortgage Relief Program – We Take Over Payments
If you want to stay in the home longer, avoid a foreclosure mark, and get breathing room, our “Save My Credit” Mortgage Relief Program may be a fit. We can step in, make past-due and ongoing payments, and work out a plan that fits your family’s situation.
Option 2: Cash Sale – Sell Before The Auction Date
If the numbers no longer work or you’re ready to move on, you can sell your South Carolina house or mobile home to us for cash. Even if the foreclosure process has already started, you can usually still sell before the auction and protect your equity. See how our home buying process works.
How Our Mortgage Relief “Save My Credit” Program Works
3 Simple Steps To Keep Foreclosure Off Your Credit
1. Submit Your Info Or Call Us
We start with a quick, private conversation about your home and situation. We’ll review the condition, your monthly payment, how far behind you are, and any back taxes or reinstatement amounts. From there, we’ll see if our Mortgage Relief Program is the right fit to help save your credit.
2. Quick Walk-Through Or Photos
We can either schedule a quick walk-through or you can send us pictures — whichever is easier for you. You don’t need to clean or repair anything. We just need to confirm the condition so we can finalize numbers and paperwork.
3. Choose A Plan & Closing Date
If we’re a good match, we’ll sign a simple purchase and sale agreement and agree on timing. From there, our team works with a local South Carolina closing attorney to handle all details. You can often stop the foreclosure process, protect your credit, and move forward on a date that works for your family.
Can Someone Take Over My South Carolina Mortgage?
If you’re behind on payments and worried about foreclosure ruining your credit, our Mortgage Relief “Save My Credit” program may allow us to step in and take over mortgage payments. In many cases we can:
- Catch up past-due payments and reinstatement balances
- Pay back property taxes that are creating extra pressure
- Take over payments going forward so you can move on without a foreclosure on your record
Letting the home go to foreclosure or doing a short sale can damage your credit for years — impacting car purchases, credit cards, and even job opportunities. Our goal is to give you another option before it gets to that point.
Get A Cash Offer Before Your Foreclosure Sale Date.
Even if the foreclosure process has already started, you can often still sell your home before the auction. For many South Carolina homeowners who are facing long-term financial struggles, selling is the cleanest way to get out from under the payment and reset financially.
Many owners have built up equity in their house or mobile home. Instead of losing that equity at the foreclosure auction, you may be able to tap into it and walk away with cash.
We buy houses and mobile homes in foreclosure throughout South Carolina, especially in the Upstate and Midlands including Greenville, Spartanburg, Anderson, Columbia, Lexington, and nearby communities. We work fast to get you a no-obligation cash offer, usually within 24 hours of getting your property details.
Our approach is low-pressure and transparent. If our offer doesn’t work for you, you don’t have to accept it. No charges. No fees. No hard feelings. We’re happy to talk through your options even if you decide not to sell.
Give us a call at (864) 272-5400 or fill out the short form below to get started. We’re here to help you avoid foreclosure and move on with confidence.
Stop Foreclosure. Save My Credit. Get Help Today.
Tell us about your South Carolina house or mobile home and your situation. We’ll review your options for mortgage relief or a cash sale and follow up quickly with next steps.
When Does Foreclosure Begin & How Long Does It Take?
If you’ve missed a few mortgage payments, you’re probably wondering when your lender will start foreclosure. Unfortunately, there isn’t one exact rule, but there are common timelines.
According to HUD, many mortgage companies begin foreclosure somewhere between three to six months after your first missed payment if no solution is worked out.
After about three months of missed payments, you’ll often receive a Demand or Notice to Accelerate letter. This tells you how much you owe and usually gives you around 30 days to bring the loan current. If you don’t, the foreclosure process can move forward and a sale date may be scheduled in just a few more months.
The bottom line: the earlier you reach out for help, the more options you’ll have. Whether that’s working with your servicer, talking to a HUD-approved housing counselor, or exploring relief and cash offer options with Table Rock Homebuyers, waiting makes everything harder.
How To Get Foreclosure Help From The Government
The U.S. Department of Housing and Urban Development (HUD) offers programs and resources designed to help homeowners avoid foreclosure. You can also review information from agencies like the Federal Deposit Insurance Corporation (FDIC) about working safely with your lender.
HUD-approved housing counseling services are free or low cost. You can call the Homeowner’s HOPE™ Hotline at (888) 995-HOPE to speak with a HUD-approved housing counselor near you. They can help you understand your options, work with your mortgage company, and avoid scams.
At the same time, if staying in the home is no longer realistic, you can also explore a fair cash offer within 24 hours from Table Rock Homebuyers so you know exactly what selling as-is could look like.
Getting Professional Help From A South Carolina Foreclosure Attorney
The foreclosure process can feel overwhelming. A local South Carolina foreclosure or real estate attorney can help you understand your rights, respond to court paperwork, and explore solutions that fit your situation.
Legal Knowledge
An attorney who knows South Carolina foreclosure laws can explain timelines, help you respond to notices, and make sure your lender is following the rules.
Negotiation & Mediation
Your attorney may be able to negotiate new payment terms, repayment plans, or other alternatives with your lender, and represent you in any mediation or settlement conferences.
Support During Litigation
If your case goes to court, your attorney can present your side, challenge errors, and help protect your interests during the entire process.
Exploring All Your Options
Every situation is different. A foreclosure attorney can walk you through staying in the home, selling, bankruptcy options, and more so you can choose the best path forward for your family.
Stop Foreclosure, Protect Your Credit & Explore Mortgage Relief Options
Talk with a local South Carolina home buyer about your options – from our Mortgage Relief Program to a fast, fair cash offer for your house or mobile home.
Frequently Asked Questions
What options do I have before foreclosure begins?
Homeowners in South Carolina typically have several options before foreclosure is officially filed: repayment plans with your servicer, loan modification, forbearance, bankruptcy, selling the property, or using a program like our Mortgage Relief Program. Acting early helps you avoid late fees, attorney fees, and long-term credit damage.
How late can I be and still avoid foreclosure?
Most lenders begin the formal foreclosure process around 90–120 days of missed payments, but credit damage starts much sooner. If you’re more than two months behind, reach out now. In many cases we can still help even when a foreclosure sale date has already been scheduled in Greenville, Spartanburg, Anderson, Columbia, or anywhere in the Upstate and Midlands.
Can you help if I already received a foreclosure sale date?
Yes — in many situations we can still step in before the auction. If you have a sale date set in the Upstate or Midlands, we may be able to purchase the home quickly or explore our Mortgage Relief Program to stop foreclosure from hitting your credit. Timing is critical — contact us immediately to review your options.
Do you buy houses that are upside down or have little equity?
Yes. Even if you owe close to or more than what the property is worth, we may still be able to help by taking over payments or creating a custom solution. Many South Carolina homeowners in this exact situation use our programs to avoid foreclosure and move on without a huge out-of-pocket cost.
Will selling my home to you stop the foreclosure?
Once your home is sold and the mortgage is paid off (or your lender approves the payoff plan), the foreclosure process stops. Because we buy houses as-is and can close quickly, many owners use us to prevent foreclosure from ever appearing on their credit report.
How will this affect my credit?
A full foreclosure can impact your credit for up to 7 years. Our goal is to help you avoid that mark by stopping the foreclosure early through mortgage relief or a cash sale. While missed payments may still show, preventing a foreclosure or repossession can make a big difference for future home loans, car purchases, insurance, and even job applications.
What if my house needs a lot of repairs?
We buy homes in any condition — cosmetic updates, bad tenants, code violations, water damage, roof issues, foundation problems, or unfinished renovations. You don’t need to clean, fix, or stage anything. We’ll factor the repairs into our offer and handle the work after closing.
Do you buy mobile homes facing foreclosure or repossession?
Absolutely. We buy mobile homes with or without land across the Upstate and Midlands. If you’re behind on payments or dealing with a park eviction or repossession, we may be able to help. Learn more about how we buy mobile homes in South Carolina.
What should I do after receiving a Notice of Default?
A Notice of Default means your lender is preparing legal action. Respond to every notice you receive, contact your servicer, and consider speaking with a HUD-approved housing counselor or South Carolina foreclosure attorney. Then reach out to Table Rock Homebuyers so we can review relief and cash-sale options before time runs out.
Is your Mortgage Relief Program legit and safe?
Yes. Our program uses legal, commonly used real-estate strategies where we take over the financial responsibility for the property to help prevent foreclosure from showing up on your credit. There are no fees, no commissions, and no obligation. We’ll walk you through everything in plain language so you feel comfortable before making any decision.
Helpful Articles For South Carolina Homeowners Facing Foreclosure Or Behind On Payments
If you’re behind on your mortgage, getting foreclosure notices, or worried about an upcoming sale date, these free guides are written for South Carolina homeowners and mobile home owners who need clear options. Learn more about mortgage relief programs, how to stop foreclosure in South Carolina, and how to sell your house fast before the auction.
-
5 Ways to Stop Foreclosure in South Carolina
Navigating the threat of foreclosure can be a daunting experience, especially if you’re unfamiliar with the process. In South Carolina, homeowners have different ways to stop foreclosure and keep their homes…
-
How to Avoid Foreclosure in South Carolina
Dealing with the possibility of foreclosure can be overwhelming. If you own a home in South Carolina and are struggling to make your mortgage payments, it’s important to know your…
-
What is a Short Sale and How Does It Benefit You?
Short sales offer various benefits to both sellers and buyers, including the avoidance of foreclosure, reduced credit impact, the opportunity for buyers to acquire properties at discounted prices, and the…
-
What is a Short Sale and How Does It Benefit You?
Short sales offer various benefits to both sellers and buyers, including the avoidance of foreclosure, reduced credit impact, the opportunity for buyers to acquire properties at discounted prices, and the…