We buy houses facing foreclosure anywhere in Des Moines and Polk County. Close in as few as 10 days. Pay off your mortgage. Protect your credit. Walk away with any remaining equity. No agent fees, no closing costs, no surprises.
We respond same-day to foreclosure-timeline requests. No obligation. Your information stays private.
Iowa is a judicial foreclosure state, which means the lender has to file a lawsuit in district court to foreclose on your home. The process is governed primarily by Iowa Code Chapter 654. In Polk County, the average timeline from the lender's first filing to a sheriff's sale runs roughly 5 to 7 months — longer than in many states.
That timeline is actually good news, because it means there's almost always time to sell the house before the sheriff's sale — if you don't use a traditional MLS listing, which typically takes 60-90 days from list to close. Our process closes in 10-30 days.
Selling before the sheriff's sale is materially better than letting the foreclosure complete:
Call or fill out the form. Tell us where you are in the process: behind on payments, notice of default served, lawsuit filed, or sheriff's sale date already set. The further along you are, the faster we move — but it's never too late to call.
We pull recent sold comps for your specific Des Moines neighborhood, estimate your mortgage payoff (including any junior liens, late fees, and attorney costs), and calculate your remaining equity.
You get a clear, written offer with the math shown. We tell you exactly what gets paid off, what gets wired to you at closing, and what the timeline looks like.
We close at a local Polk County title company. The title company handles the payoff to your lender directly. If there's a sheriff's sale date approaching, we coordinate to close before it — we've done this in as few as 10 calendar days.
If you're significantly underwater on the mortgage — meaning the payoff is more than the house is worth — a regular sale (or a short sale negotiated with your lender) is usually the better path, not a cash sale. We'll tell you that on the first call rather than waste your time.
If you have any equity, even just $5,000-$20,000, a cash sale before sheriff's sale usually nets you more than letting the foreclosure complete. At sheriff's auctions in Polk County, properties routinely sell for just the payoff amount — any remaining equity is lost.
We work with homeowners across the Des Moines metro in a range of situations:
Confidential. No obligation. The earlier you call, the more options we have.