Start with dates, not panic
Gather the latest mortgage statement, notices you have received, and any scheduled sale information. Virginia foreclosure procedures can move quickly, so confirm deadlines with the lender, trustee, or qualified legal counsel rather than relying on assumptions.
Know the equity position
Estimated market value minus mortgage balances, liens, taxes, and transaction costs gives a clearer picture of what may be at stake. Equity can change which options are realistic.
Selling is one option, not the only option
Depending on timing and circumstances, a homeowner may also explore reinstatement, lender loss-mitigation options, legal advice, or other solutions. RCAC focuses on the property side and does not provide legal or foreclosure-prevention advice.
If a sale is the path
Condition, access, title, payoff information, and the available timeline all matter. An as-is transaction may avoid taking on repairs when time is limited.
A private property review is simply a starting point. Share the address, condition, timeline, and anything else that matters.
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