FREQUENTLY ASKED QUESTIONS
Honest Answers to
Hard Questions.
You deserve clear information, not legal jargon or vague reassurances. These are the questions Georgia homeowners ask us most — answered plainly.
IMPORTANT
No Single Answer Fits Every Situation
The right option depends on your timeline, how much equity you have, whether you want to keep the home, and what matters most to your family. Read through the options below — then call or fill out the form so we can help you identify which ones apply to you.
01
LOAN REINSTATEMENT OR MODIFICATION
Catch Up on Payments and Stop Foreclosure
Best used: Before or shortly after a sale date is set
The right option depends on your timeline, how much equity you have, whether you want to keep the home, and what matters most to your family. Read through the options below — then call or fill out the form so we can help you identify which ones apply to you.
You remain in your home — no move necessary
You remain in your home — no move necessary
Less credit damage than a full foreclosure or short sale
Modification can lower your monthly payments going forward
02
SELL BEFORE THE AUCTION
Protect Your Equity - and Your Credit
Best used: When you have time before the auction date
Selling your home on the open market before the foreclosure auction gives you control over the outcome. You can price it to sell quickly, keep whatever equity remains after paying off your mortgage, and avoid having "foreclosure" appear on your credit report. For many homeowners, this is the most financially protective option available.
You keep any equity above what's owed on the mortgage
No foreclosure on your credit history
You control the timeline and the sale price
Leaves you in a better position to purchase again in the future
03
CASH OFFER
Fast, Certain Closing - Even Near an Auction Date
Best used: When speed is critical - days, not weeks
When time is the most pressing issue, a cash offer from a qualified buyer provides absolute certainty of closing. No appraisal contingencies, no mortgage delays, no fall-through risk. We connect you with vetted buyers who can close quickly — sometimes within days. The tradeoff is typically a lower sale price, which we'll explain clearly so you can decide whether it's worth it for your situation.
Fastest possible resolution — closings in as few as 5–7 days
No repairs, staging, or showings required
Guaranteed close — no financing contingency risk
Can sometimes be executed even after a sale date is scheduled
04
CASH FOR KEYS / TRANSITION PLAN
Move Forward With Dignity and Financial Support
Best used: When a clean break makes the most sense
Sometimes the most empowering decision is to start fresh. A cash-for-keys or structured transition plan gives you money toward your move, a defined timeline that you agree to, and freedom from the stress and uncertainty of foreclosure. Your next chapter begins with clarity — not chaos.
Financial assistance toward your move and new housing
You control your move-out timeline with no surprises
Avoids the emotional and financial cost of a drawn-out foreclosure
Clean resolution — leaves you positioned to rebuild
05
SURPLUS FUND RECOVERY
After a Foreclosure Sale - You May Be Owed Money
Available: Even after the foreclosure sale has completed
When a foreclosed property sells at auction for more than the amount owed on the mortgage, the remaining funds — called a foreclosure surplus or overage — legally belong to the former homeowner. These funds sit with the court or the lender, and in many cases, they go unclaimed simply because the homeowner never knew they existed. We help you identify whether surplus funds are owed to you and guide you through the recovery process to claim what's rightfully yours.
Applies even if your foreclosure has already completed
Funds can range from hundreds to tens of thousands of dollars
Many homeowners never know these funds exist — we find them
We guide you through the full claims process step by step
How Surplus Recovery Works
1
2
3
We research your property. We pull the foreclosure sale records and calculate whether the sale price exceeded what was owed.
We identify surplus funds. If an overage exists, we locate where those funds are held — courthouse, lender, or trustee.
We guide your claim. We walk you through the legal filing and documentation process to recover the funds you're entitled to.
WHY THIS MATTERS NOW
Most Options Have a Window - and Windows Close
The options available to you narrow as time passes — though Surplus Fund Recovery can apply even after a sale. Here's what changes at each stage.
All 5 Options Available
Before or shortly after your first notice — all paths are open including reinstatement, selling, and cash offers. Best time to act.
3–4 Options Remain
Once a sale date is set, reinstatement windows shorten. Selling and cash offers still work with enough lead time.
1-2 Options Left
Within days of the auction, only fast cash offers and transition plans may still apply — move immediately.
Sale Happened? Check for Surplus
Even after a completed foreclosure auction, you may be owed surplus funds. This option has no deadline — but the sooner you check, the better.
Not Sure Which of the 5 Options Fits Your Situation?
We'll review your specific circumstances and tell you clearly which paths are open — and which are the best
fit for your goals and timeline.
100% Confidential
No Pressure or Obligation
Free Same-Day Review
Real Solutions.
100% Confidential
No Obligation
Free Review
Helping Georgia homeowners find real solutions every day.
QUICK LINKS
CONTACT US
(470) 889-8057
123 smith st,
Jonesboro, GA 30236
HOURS
Mon – Fri:
9:00 AM – 5:00 PM EST
Same-Day
Appointments Available
QUICK LINKS
HOURS
Mon – Fri: 9:00 AM – 5:00 PM EST
Same-Day Appointments Available
US Foreclosure Assistance, LLC is not a law firm and does not provide legal advice. We are real estate professionals helping homeowners explore their options.