Pre-foreclosure is an early stage in the foreclosure process. It can be triggered in two primary ways: unpaid property taxes that prompt your county to file a formal tax lien notice, or missed mortgage payments that cause your lender to file a Notice of Default (NOD) against your property. In either case, if the underlying debt is not resolved, the foreclosure process will advance — potentially resulting in the loss of your home.
Bank foreclosure — also called mortgage foreclosure — occurs when a homeowner falls behind on their mortgage payments and the lender initiates legal action to recover the outstanding loan balance by seizing and selling the property.
Tax foreclosure is initiated by your county or local government — not a bank — when property taxes go unpaid. The county places a tax lien on your property and, if the debt is not resolved, may proceed to a tax foreclosure sale where the property can be sold to collect the unpaid taxes.
Tax foreclosure timelines vary by state but the process is equally serious and can move quickly once a notice is filed.
However, at this stage, you still have options available to you, and taking action now can make all the difference. We understand this can be an incredibly stressful and uncertain time, and we want you to know that you are not alone — and more importantly, that there is still time to act.
At Oakseed Homes, we specialize in helping homeowners navigate exactly these kinds of situations. We offer several solutions tailored to your unique needs:
We encourage you to verify your property's status at your earliest convenience.
• By Phone: Contact your county's tax department or foreclosing entity (bank/mortgage company) directly to speak with a representative about your account.
• Online: Visit your county's tax portal to look up your property and view any outstanding balances.
The pre-foreclosure process moves quickly, and waiting can severely limit your options. We strongly encourage you to reach out to us as soon as possible so we can discuss your situation confidentially and at no cost or obligation to you. Our goal is simply to help you find the best possible path forward and keep you in control of your outcome.
This website is intended for informational purposes only and does not constitute legal or financial advice. If you are facing foreclosure, we encourage you to also consult with a licensed attorney or housing counselor.
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