Need a Quick Way to Avoid Foreclosure in Chattanooga? We’re Here to Help

Falling behind on mortgage payments can feel overwhelming. The phone calls, the letters, the uncertainty — it’s a lot to carry. If you're a Chattanooga homeowner and you're behind on payments or already facing foreclosure, you’re not alone — and there are still options available.

At Trusty House Buyers, we help homeowners in tough situations find a way forward. If you’re unsure what happens next or how much time you really have, here’s what you need to know.

💡 How Foreclosure Works in Tennessee

In Tennessee, foreclosure happens through a process called non-judicial foreclosure, which means the lender doesn't need to go to court to repossess your home. Here’s a quick breakdown:

  1. Missed Payments – Most lenders will start the process after 3+ missed payments.

  2. Notice of Default – You’ll get a written notice giving you a chance to catch up (this is your warning sign).

  3. Notice of Sale – If the loan isn’t brought current, your home can be scheduled for auction with just 20 days’ notice.

  4. Foreclosure Auction – The property is sold at a public auction, and you could lose your home and any remaining equity.

The entire process can move quickly, so time is critical.

🚪 What Are Your Options?

If you’re behind on payments, it might feel like foreclosure is the only path forward — but it’s not. You may still be able to:

  • Sell your home before the auction

  • Work out a deal with the lender (like a loan modification or repayment plan)

  • Do a short sale (with bank approval)

But for many people, these options take time they just don’t have — especially once a sale date is set.

🤝 How Trusty House Buyers Can Help

That’s where we come in. At Trusty House Buyers, we offer a fast, respectful way to sell your home for cash — even if you’re days away from foreclosure.

✅ We buy houses in Chattanooga as-is — no repairs or cleaning needed.
✅ No fees, commissions, or delays — you keep more of your money.
✅ We move fast — we can close in days, not weeks.
✅ You stay in control — you choose your timeline, and we work with you.

We understand the stress that comes with this situation, and our goal is to make the process simple, private, and pressure-free.

🕒 It’s Not Too Late — But Don’t Wait

If foreclosure is getting closer, now is the time to act. Even if your home is already scheduled for auction, you may still have a chance to sell it and avoid long-term damage to your credit.

We’re local, we know Chattanooga, and we’ve helped many homeowners just like you find a better way out.

Contact Trusty House Buyers today to talk about your situation — no pressure, no obligation. Just honest answers and real options.

Hear From Other Homeowners

Shan K.

"Awesome experience!"

"Awesome experience! First time selling a property and the home selling process was quick and smooth. The team is very caring and accommodating. I would definitely recommend them to anyone!"

Billy Becker

"Would recommend to all!"

"I had a great experience working with this group. They answered every question and left me feeling totally satisfied with the transaction. Would recommend to all!"

Brandon Doctor

"Paid more than other cash buyers"

"I have done several deals with this company and they have always treated people fairly and paid more than other cash buyers I’ve talked to."

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