If you have fallen behind on your mortgage, you have not run out of road. Central Valley REI buys houses for cash, as-is, and closes on your timeline so you can walk away clean before the auction.
- No commissions or fees
- Fair cash offer in 24 hours
- We buy in any condition
No fees, no pressure, no obligation. Or call (661) 699-5512.
- No Commissions or Fees
- Cash Offer in 24 Hours
- Any Condition
- Local Bakersfield Team
We Know What You Are Dealing With
A Notice of Default in the mail is a gut punch. A job loss, a medical bill, a divorce, or the death of someone in the family can put anyone behind, and then the calls and letters pile up. We have helped Kern County families work through this, and we treat you like a neighbor, not a file number.
You are not the only one. Kern County had one of the highest foreclosure rates in California in 2026, according to ATTOM Data. Lenders are moving quicker than they did a few years ago, so the earlier you understand your options, the more control you keep.
How It Works
Four straightforward steps to a clean sale before the auction.
Step 1: Talk to us
Spend about 15 minutes telling us about the house and where things stand with your lender.
Step 2: Get a fair cash offer
We base the offer on real Bakersfield comps and the home's condition, and we explain every number.
Step 3: Pick your closing date
Close in as little as 7 days, or later if that lines up better with your move.
Step 4: We handle the rest
We can talk directly with your lender and the title company to keep the sale on track.
The California Foreclosure Timeline, Stage by Stage
Knowing where you are in the process tells you how much time you have. Most California foreclosures are non-judicial and follow a set path. After a few missed payments, your lender records a Notice of Default with Kern County, which is the official start. From there you generally have at least 90 days before the lender can record a Notice of Trustee Sale and set your auction date, which must be at least 21 days out.
The part that matters most: you can sell the house yourself any time before that auction date. You can also reinstate the loan, meaning pay the past-due amount plus fees, up until about five business days before the sale. Once the auction happens, both of those doors close.
- You have at least 90 days after a Notice of Default before an auction date can be set
- You can sell or reinstate the loan right up to five business days before the trustee sale
- After the auction closes, there is generally no right to buy the home back
Your Options
Selling to us is one path, not the only one.
Reinstate the Loan
- Pro: You stay in the home and the foreclosure stops immediately.
- Con: Requires paying all past-due amounts plus fees in a lump sum.
Loan Modification or Forbearance
- Pro: Your lender changes the terms or pauses payments to give you breathing room.
- Con: Approval is not guaranteed and can take time you may not have.
Short Sale
- Pro: Lets you sell even when you owe more than the home is worth.
- Con: Requires lender approval and typically takes longer than a cash sale.
Sell for Cash
- Pro: Close fast, keep your equity, and avoid a completed foreclosure on your record.
- Con: May net less than an open-market listing if you have plenty of time.
*$415,000 to $420,000* Typical Bakersfield home value in mid-2026. Equity above your loan balance stays yours only if you sell before the auction. (Redfin, 2026)
See How We Compare
See how your main options stack up when time is short.
| Feature | Our Cash Offer | Listing With an Agent | Let It Go to Auction | | --- | --- | --- | --- | | Timeline | As little as 7 days | 33 to 47 days on market, then escrow | Set by your lender | | Repairs | None, sold as-is | Often expected before listing | None, but you lose the home | | Fees or Commissions | Zero, we cover closing costs | About 5 to 6 percent | Not applicable | | Your Equity | You keep it at closing | You keep it minus fees, if it sells in time | Likely lost | | Credit Impact | No completed foreclosure | No completed foreclosure if it sells in time | Foreclosure on your record |
Serving Bakersfield & Kern County
We help homeowners across Bakersfield and all of Kern County, from inner-city neighborhoods to surrounding cities. We buy houses for cash in Bakersfield in any condition. See how our process works or contact us to get started.
- Oildale
- East Bakersfield
- Rosedale
- Delano
- Shafter
- Arvin
- Lamont
- Fresno
Frequently Asked Questions
Can I sell my house after I have received a Notice of Default?
Yes. You can sell any time before the trustee sale. The sooner you start, the more room you have to close cleanly and keep your equity.
What is the difference between a Notice of Default and a Notice of Trustee Sale?
The Notice of Default starts the clock, and you usually have at least 90 days after it. The Notice of Trustee Sale comes later and sets the actual auction date, at least 21 days out. The Trustee Sale notice means time is short.
Will selling stop the foreclosure from hurting my credit?
Selling before the auction means there is no completed foreclosure on your record, which is far easier to recover from than a foreclosure that goes all the way through.
What if I owe more than my house is worth?
Then a straight cash sale may not fit, and a short sale or a call with a HUD counselor might be better. Reach out anyway and we will point you the right way.
What if there are other liens, like a second mortgage or back taxes?
Those usually get paid out of the sale proceeds at closing, and the title company sorts the payoffs. We deal with liens often and can walk you through it.
How fast can you close, and do I pay anything?
As little as 7 days when the auction is near, and you pay nothing. No commissions, no fees, and we cover normal closing costs. The offer is what you walk away with.
What if my auction is only a few days away?
Call us right now at (661) 699-5512. We have closed fast before and can tell you quickly whether we can beat your date.
Do I have to clean out the house or make repairs before you buy it?
No. We buy houses as-is, in any condition. Leave whatever you cannot take with you and we will handle the rest.
Other Bakersfield Situations We Buy
- Sell With Back Taxes or Liens
- Sell a House During Divorce
*Sources: ATTOM Data, Redfin*
Get Your Free Cash Offer Before the Auction
Fill out the form or call (661) 699-5512 today. We will give you a fair, no-obligation offer and walk you through every option with no pressure and no fees.