Facing Foreclosure in Michigan? You Have Options.
If you’ve received a foreclosure notice or fallen behind on mortgage payments, we understand how stressful and overwhelming it can feel. But here’s the good news — you still have options. At Offer Now Michigan, we help homeowners across the state sell their homes quickly for cash, often stopping the foreclosure process before it’s too late.
Understanding Michigan’s Foreclosure Process
Michigan primarily uses a foreclosure by advertisement process, which means your home can be sold at a sheriff’s sale without going through the court system. Once your lender files the necessary paperwork, the timeline moves fast. Typically, from the first missed payment to the sheriff’s sale, you may have around 6 to 12 months — but every situation is different.
After the sheriff’s sale, Michigan law provides a redemption period — usually 6 months — during which you can still reclaim your home by paying the full amount owed. However, waiting until this point puts you at serious financial risk. The sooner you act, the more options you have.
How Selling Your Home Can Stop Foreclosure
Selling your home before the foreclosure is finalized can protect your credit score, eliminate your mortgage debt, and potentially put cash in your pocket. A traditional sale through a real estate agent can take months — time you may not have. That’s where we come in.
Offer Now Michigan specializes in fast cash purchases. We can evaluate your home, make a fair offer, and close in as little as 7 days. This speed is critical when you’re racing against a foreclosure deadline. We work directly with your lender to ensure a smooth transaction and help you walk away with your dignity and financial future intact.
What Happens If You Do Nothing?
Ignoring foreclosure doesn’t make it go away. If your home goes through the sheriff’s sale and you don’t redeem it during the redemption period, you lose the property entirely. Your credit score takes a devastating hit — a foreclosure stays on your credit report for 7 years, making it harder to rent an apartment, get a car loan, or buy another home down the road.
You may also owe a deficiency balance if your home sells for less than what you owe. Taking action now — even if it means selling below market value — is almost always better than letting the bank take your home.
We’ve Helped Michigan Homeowners Just Like You
Eric Roebuck and Carson Whaley founded Offer Now Michigan because they saw families losing their homes when they didn’t have to. We’ve worked with homeowners in Detroit, Flint, Grand Rapids, Lansing, and communities across the state who were facing foreclosure and didn’t know where to turn.
Every situation is unique, and we take the time to understand yours. We’ll give you an honest assessment, a fair cash offer, and the support you need to make the best decision for your family. There’s never any pressure or obligation.
Steps You Can Take Right Now
1. Don’t ignore the notices. Open every piece of mail from your lender and understand where you are in the process. Knowledge is power.
2. Contact a HUD-approved housing counselor. Michigan has free foreclosure counseling services through MSHDA (Michigan State Housing Development Authority). They can help you understand your options.
3. Call us for a free consultation. Even if you’re not sure selling is the right move, we can help you evaluate your situation. Call 810-425-5961 for a confidential, no-obligation conversation.
Get Your Free Cash Offer Today
Time matters when you’re facing foreclosure. Don’t wait until it’s too late. Call Offer Now Michigan at 810-425-5961 or fill out the form on this page. We’ll respond quickly and work to get you a fair cash offer so you can move forward with your life. We’re here to help — not to judge.