Foreclosure Warning: How Much Time Do You Have to Sell in Kansas City?
- Alex Mulsoff
- Sep 5
- 7 min read
Updated: Sep 20
What Missouri and Kansas Homeowners Need to Know
TLDR: Missouri foreclosures can move in as little as 60 to 90 days after a Notice of Default, while Kansas foreclosures often take four to six months through the courts. You still own your home until the auction, which means you can sell at any point before the sale date. Selling early can stop foreclosure, protect equity, and reduce credit damage. Riverfront Home Buyers works with Kansas City homeowners on tight timelines, buying as-is with no repairs, no showings, and fast closings through trusted title companies.
If you have received a letter from your lender, such as a Notice of Default or foreclosure warning, you are likely asking yourself: How much time do I actually have? Can I still sell my home? Is it too late to avoid losing everything?
The good news is you probably have more options than you think. The caution is that those options shrink every day.
At Riverfront Home Buyers, we help Missouri and Kansas homeowners facing foreclosure with honesty, speed, and care. Here is what you need to know right now before time runs out.
How Fast Does Foreclosure Move in Missouri?
Missouri is a non-judicial foreclosure state. That means lenders do not need to go to court first. They can proceed directly after sending a Notice of Default.
From that notice, the process can move as quickly as 60 to 90 days. A foreclosure auction date might be set even before you realize it. If you wait too long, you will lose the chance to sell privately and the property could transfer to the lender.
If you received a foreclosure warning in Missouri, you are already in the pre-foreclosure phase. Time is critical. We recently helped a homeowner facing foreclosure auction in two days stop the process in less than 36 hours.
What Happens If You Ignore the Foreclosure Warning
If the foreclosure sale goes through, you lose ownership and any remaining equity.
Your credit score may drop by 100 to 150 points. The foreclosure will stay on your credit report for up to seven years.
This can cause complications with future borrowing or even lead some homeowners toward bankruptcy. While we do not offer legal advice, we recommend consulting a professional if you are considering these options.
What Is the Foreclosure Process Like in Kansas?
Kansas uses a judicial foreclosure process. This means the lender files through the courts. This usually makes the timeline four to six months or longer.
Even with more time, waiting can be risky. Acting early can help you preserve equity, avoid court fees, and protect your credit score. Once the court sets a sale date, your options narrow quickly.
Pre-foreclosure in Kansas is not a time to wait and see.
Can You Sell Your Home Before the Foreclosure Auction?
You still own your home until the foreclosure auction happens. This means you can sell at any point before the scheduled sale.
Selling before auction can let you pay off your mortgage, stop the foreclosure, and avoid the foreclosure being recorded on your credit report.
We work with homeowners on tight deadlines, but it is always better to act early than wait until the last minute.
How Does Selling Off-Market Help During Foreclosure
If you are in financial trouble, you probably cannot afford costly repairs, cleaning, or long market waits.
Riverfront buys homes as-is. This means:
No repairs or cleanouts needed
No staging or showings
No real estate agent commissions or listing fees
We work directly with title companies and lenders. While closing times depend on title processing, we can often close in 10 to 21 days.
What Should You Do If You Feel Overwhelmed or Embarrassed?
Many homeowners feel shame or freeze when facing foreclosure. You are not alone.
We have helped families dealing with job loss, medical bills, seniors struggling with upkeep, and landlords facing difficult tenants.
Our approach is always respectful and transparent. There is no judgment or pressure. Whether you want to sell, learn your options, or just understand where you stand, we are ready to help.
Final Thoughts
If you received a foreclosure notice in Missouri or Kansas, remember it is not too late, but you need to act now.
You do not have to go to court alone, make costly repairs, or handle the process without support.
Riverfront Home Buyers is a local, family-run company committed to helping homeowners make clear, caring decisions in tough times.
We will explain your foreclosure timeline, help with your options, and offer a no-pressure cash offer.
Call today before time runs out: 816.448.8164.
About the Author
Alex Mulsoff, co-founder of Riverfront Home Buyers, brings deep Kansas City roots and hands-on experience in demolition and construction. With over a decade working in Local 101 trades, Alex understands hard work and honesty. Now leading acquisitions, he helps homeowners navigate inherited or challenging property sales with care, clear guidance, and no pressure.
FAQ: Selling a House After a Foreclosure Warning in Missouri or Kansas
How long do I have to sell my house after receiving a foreclosure warning in Missouri?
In Missouri, foreclosure can move quickly, often just 60 to 90 days after a Notice of Default is issued. You can sell your house anytime before the scheduled foreclosure auction, but acting early gives you the best chance to preserve equity, avoid legal fees, and stay in control of the process.
Why shouldn’t I just let my house go into foreclosure or file for bankruptcy in Missouri or Kansas?
A foreclosure or bankruptcy can follow you for years. It can hurt your credit, limit where you can live, and make it harder to recover financially. We get it. When things feel overwhelming, walking away can seem easier. But the truth is, you don’t know where life will take you. Keeping your options open now protects your future. If you can sell before foreclosure, it’s often the best way to move forward without lasting damage.
Does my house have to close before the foreclosure sale to stop it in Missouri or Kansas?
No. You don’t need to close before the auction date. In most cases, a signed contract with a buyer like Riverfront is enough to delay or stop the foreclosure. We work directly with your lender and title company to coordinate the process. The sooner we connect, the more options you’ll have.
What is the foreclosure timeline for homeowners in Kansas?
Kansas uses a judicial foreclosure process, which means it typically takes four to six months or more before a foreclosure sale is finalized. However, once the lender files through the court, the legal process starts. You can sell your home before the auction date, pay off the mortgage, and avoid the long-term damage foreclosure causes to your credit.
Can I sell my house during the pre-foreclosure period in Kansas or Missouri?
Yes. As long as the foreclosure auction has not yet taken place, you are still the legal owner and can sell the home. Riverfront Home Buyers helps homeowners in pre-foreclosure coordinate sales, pay off lenders, and close deals before time runs out.
How does a foreclosure affect my credit score in Missouri or Kansas?
A completed foreclosure typically lowers your credit score by 100 to 150 points and remains on your credit report for up to seven years. This can significantly affect your ability to qualify for future loans, credit cards, or even rental housing.
Can filing bankruptcy stop a foreclosure in Missouri or Kansas?
Filing for bankruptcy may temporarily halt a foreclosure through an automatic stay, but it has serious long-term credit impacts and legal consequences. Riverfront Home Buyers does not offer bankruptcy advice and recommends you speak with a qualified bankruptcy attorney if you are considering this option.
Do I need to make repairs or clean out the house before selling it to Riverfront?
No. Riverfront Home Buyers purchase homes as-is. You do not need to make repairs, clean the property, or stage it for showings. We handle the paperwork, coordination, and sale details so you can focus on your next steps.
How fast can Riverfront Home Buyers close on a home facing foreclosure?
While closing timelines vary depending on title and legal requirements, Riverfront often closes in 10 to 21 days. We work closely with trusted local title companies and your lender to handle the process as smoothly and efficiently as possible.
What counties does Riverfront Home Buyers serve in Missouri and Kansas?
Riverfront serves Jackson County, Clay County, and Platte County in Missouri, and Wyandotte County and Johnson County in Kansas. We focus exclusively on local, off-market home sales and are proud to be a veteran-owned, family-operated Kansas City company.
About the Author
Alex Mulsoff, co-founder of Riverfront Home Buyers, brings deep Kansas City roots and hands-on experience in demolition and construction. With over a decade working in Local 101 trades, Alex understands hard work and honesty. Now leading acquisitions, he helps homeowners navigate inherited or challenging property sales with care, clear guidance, and no pressure.
Reviews & testimonials from Kansas City families we have helped:
Riverfront Home Buyers is a veteran-owned, family-run business in Kansas City and a BBB-accredited company with an A rating, trusted by local families across Missouri and Kansas. Click here to read more reviews.
“If you are looking to buy or sell a home, you need to call Stevie and Alex at Riverfront Homebuyers! They helped us so much on our real estate journey. They have so much knowledge of the market and trends in real estate. I was nervous about selling, but they are so upfront, kind, and honest in their dealings that the process felt so easy! They just know hiw to take the headache out of the whole proces. Prompt about returning messages too. I will definitely work with them again!” - Kristina H.
“Alex and Stevie purchased a family home from us that had several heirs on it. They were very patient and great to work with.” - LaJoyce R.
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