Citrus Heights Case Study: Helping Homeowners Avoid Foreclosure on Fresno Court
Property Snapshot
Address: 7**0 Fresno Court, Citrus Heights, CA 95610 (Sacramento County)
Property Type: Single-Family Residential
Specs: 3 bedrooms, 1 bathroom | ~1,500 sq. ft. | Built in 1971
Seller Situation: Urgent Pre-Foreclosure (3 days from auction)
Property Condition: Distressed, deferred maintenance, heavy hoarding/car parts on site
Closing Timeline: Escrow closed in 19 days; foreclosure stopped in 72 hours
Post-Closing Benefit: 45 Days of Free Post-Closing Occupancy
The Situation: A Looming Sacramento County Foreclosure Auction
The homeowners of this Citrus Heights property found themselves in a terrifying position. Due to unexpected hardships, they fell behind on their mortgage payments. By the time they contacted R&H Distressed Properties, the Sacramento County foreclosure auction was scheduled for just three days away.
The property itself had become a source of stress. It was heavily outdated, needed extensive structural and cosmetic repairs, and the yard and garage were packed with decades of accumulated belongings and old car parts.
Overwhelmed, facing the total loss of their equity, and worried about their credit being ruined by a foreclosure on their record, they needed a legitimate way to sell their house fast in the Sacramento area before the bank took everything.
A Race Against Time in Citrus Heights
Before calling us, the homeowners had reached out to a national corporate home-buying company. That company looked at the calendar and told them it was too late—that stopping a California foreclosure with only 72 hours remaining was impossible.
Because R&H Distressed Properties is a deeply rooted, local Sacramento real estate investment firm, we know the local legal timelines, auction procedures, and title companies inside and out. We knew that if we moved immediately, we could still save the day.
We immediately contacted the trustee, submitted a formal, verified cash offer, and successfully halted the auction process—giving the homeowners breathing room and saving their credit.
The Challenges
72-Hour Window: The bank auction was imminent. Traditional listings on the Sacramento MLS take an average of 30–60 days to close.
Property Condition: Severe hoarding, deferred maintenance, and heavy automotive debris throughout the Fresno Court property.
Relocation Stress: The sellers had no savings and nowhere to go immediately; they needed cash in hand before moving out.
Why the Homeowners Chose R&H Distressed Properties
The homeowners needed an absolute guarantee. They chose us over national text-blast buyers because we offered specific, local solutions:
The “Walk Away” Guarantee: We told them to take only the personal items, family photos, and keepsakes they wanted. We agreed to handle the junk removal, vehicle parts, and heavy cleanup at our own expense.
Our Solution: Stopping the Sale & Granting a 45-Day Free Stay
We structured a custom cash-purchase agreement that prioritized the sellers’ financial and emotional well-being:
- Immediate Foreclosure Bailout: We stepped in, satisfied the immediate lender demands, and opened escrow with a trusted local Sacramento title company.
- $0 Out of Pocket: The sellers paid zero closing costs, zero agent commissions, and zero junk removal fees.
- 45-Day Free Leaseback: To give them a bridge to their next chapter, we let them stay in the home for 45 days completely free after closing, allowing them to secure a new home with their equity cash in hand.
The Emergency Timeline
- 3 Days Before Auction: Homeowners called; R&H legally paused the foreclosure sale.
- Day 19: Escrow officially closed. Mortgage paid off, credit protected, and equity cash delivered to sellers.
- Day 64: Sellers comfortably moved into their new housing layout.
- Next Phase: Full modern renovation completed by our local crew.
The Transformation: From Distressed to Move-In Ready
After the 45-day transition period, our local Citrus Heights contracting crew went to work. We cleared out the automotive debris, hauled away the unwanted belongings, and executed a total top-to-bottom renovation.
We installed a brand-new modern kitchen, fully remodeled the bathroom, updated the flooring, upgraded the HVAC, and redid the exterior landscaping. We officially brought the home to market on January 11 and successfully sold it to a wonderful new local family on February 5.
Frequently Asked Questions for Sacramento Metro Homeowners
Can I sell my house fast in Sacramento if the foreclosure auction is next week?
Yes, but you must act immediately. Local cash buyers like R&H Distressed Properties can often coordinate with lenders and trustees to pause a sale if a legitimate, fully funded cash offer is put on the table.
What happens to my junk and unwanted items if I sell to a cash buyer?
When we say we buy houses “as-is,” we mean it. As seen with our Fresno Court case study, you can leave behind furniture, trash, broken appliances, and old car parts. We handle all the heavy lifting and disposal costs.
How does stopping foreclosure save my credit?
An active foreclosure stays on your credit report for up to 7 years, dropping your score significantly and preventing you from buying or renting easily. By selling your property to a cash buyer before the auction, the loan is paid off in full, showing as “Paid” or “Settled” rather than a forced foreclosure.
We Buy Houses Citrus Heights CA
Facing Foreclosure in Sacramento County? Don’t Wait.
Whether you are on Fresno Court in Citrus Heights, or anywhere else in the Sacramento metro area, time is your most valuable asset when facing a bank foreclosure. R&H Distressed Properties has the experience and local capital to step in and stop the clock.