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Can You Sell a Home That's in the Middle of the Foreclosure Process in Kansas City?

  • Writer: Costa Karellas
    Costa Karellas
  • Jun 15
  • 5 min read

Updated: Sep 20

What Missouri and Kansas Homeowners Need to Know

TLDR: In Kansas City, you can sell your home during foreclosure as long as the auction hasn’t happened. Missouri foreclosures can move in 60–90 days, while Kansas cases take longer through the courts. Selling as-is before the auction lets you pay off debts, avoid lasting credit damage, and close in as little as 10–21 days.

If you’ve received a foreclosure notice but the house hasn’t been auctioned off yet, you still have time. In Missouri and Kansas, it is absolutely possible to sell your home even if you’re in the middle of the foreclosure process. But time is critical.


At Riverfront Home Buyers, we work with homeowners across Kansas City who are in this exact situation. Whether you’re weeks away from auction or just received a notice of default, here’s what you need to know. And, here's how we can help you move forward without losing everything.


A foreclosure sign outside of a house.

1. Foreclosure Doesn’t Happen Overnight

Missouri uses a non-judicial foreclosure process, meaning the bank does not need to go to court. After a Notice of Default, foreclosure can legally happen in as little as 60 to 90 days.


Kansas requires a judicial foreclosure, which goes through the court system. This process generally takes four to six months or longer, but homeowners often misjudge how quickly things can escalate.


The key point: you can usually sell anytime up until the home is sold at auction.


2. You’re Still the Legal Owner Until the Foreclosure Sale

Many homeowners assume that once foreclosure has started, they’ve already lost the home. That’s not true.


Up until the auction, you remain the legal owner—and you still have the right to:

  • Sell the property

  • Use the proceeds to pay off your mortgage

  • Avoid foreclosure being reported on your credit


Even if a court date has been set or notices have been mailed, you still have options.


3. Selling Fast Can Stop the Foreclosure

At Riverfront Home Buyers, we specialize in helping homeowners close fast—often in 10 to 21 days—so they can avoid foreclosure. We work directly with the title company and your lender to pay off what’s owed and resolve any liens or complications.


The earlier you act, the easier it is to:

  • Prevent a credit-damaging foreclosure

  • Walk away with equity

  • Take back control of the situation


4. You Don’t Have to Fix or Clean the Property First

If your home is outdated, vacant, or needs repairs, don’t worry. We buy properties as-is, even if there are major issues or the house hasn’t been cleaned out.

  • No inspections

  • No showings

  • No realtor commissions


We’re a local Kansas City homebuyer, not a hedge fund or out-of-state investor. You’ll work with real people who understand what you’re going through.


5. Avoiding Foreclosure Protects Your Future

A completed foreclosure can stay on your credit report for up to seven years and significantly impact your ability to rent, borrow, or buy again. Selling your home before the foreclosure is finalized allows you to:

  • Protect your credit

  • Avoid public auction

  • Reduce long-term financial damage


We know it’s not easy—but we’re here to help you through it.


Final Thoughts

Selling a home during foreclosure may feel impossible, but it’s not. If you’re in Kansas City and the process has already started, you still have time to act.


At Riverfront Home Buyers, we’ve helped families in Jackson, Clay, Platte, Wyandotte, and Johnson counties sell quickly, as-is, and without judgment.

Let’s talk about your options before time runs out.


Call us at 816.448.8164 or fill out this short form to see what’s possible.



FAQ: Selling a House During Foreclosure in Kansas City


Can I sell my home during foreclosure in Kansas City?

Yes. As long as the foreclosure auction hasn’t happened, you still legally own the home and can sell it. Riverfront Home Buyers helps local homeowners in Jackson County, Clay County, Platte County, Wyandotte County, and Johnson County sell before auction and stop foreclosure in its tracks.


How fast can I sell my house to avoid foreclosure in Kansas City?

Riverfront can often close in 10 to 21 days, depending on title work and lender coordination. But here’s the key: you don’t have to close before the auction date to stop the foreclosure. Even if you have less time, we can usually pause or delay the foreclosure by showing the lender a signed purchase contract and proof that the sale is in motion.


If you’ve received a foreclosure notice, acting quickly gives you the best chance to stop the process before the auction—even if there are only days left on the clock.


What if I haven’t cleaned or repaired the home yet?

You don’t have to. We buy homes as-is—even if they need major repairs, are full of belongings, or have been vacant for months. No cleanup. No showings. No agent commissions.


Can I still sell if a foreclosure court date has already been scheduled?

Yes. Even if a hearing is on the calendar, you can sell your property any time before the foreclosure sale is finalized. We’ll work with your attorney, title company, and lender to help stop the process.


Can I sell my home if I owe back taxes or have a second mortgage?

Yes. Any debts attached to the home—including past-due taxes or secondary loans—can be paid off through the proceeds of your home sale. Riverfront coordinates with the title company to make sure it’s all resolved.


What Kansas City areas do you serve for foreclosure-related home sales?

We serve homeowners throughout the Kansas City metro, including Kansas City, Independence, Grandview, Raytown, Gladstone, Liberty, KCK, and Overland Park. Our coverage includes Jackson, Clay, and Platte counties in Missouri and Wyandotte and Johnson counties in Kansas.


Will selling before foreclosure really protect my credit?

Yes. If foreclosure is finalized, it can drop your credit score by over 100 points and stay on your report for seven years. Selling before that happens avoids the credit damage and public record.

About the Author:

Costa Karellas, co-founder of Riverfront Home Buyers, brings leadership experience as a Marine Corps Captain and later as a manager of large offshore drilling projects. Those roles shaped his calm, intentional approach. At Riverfront, he focuses on helping homeowners find a fresh start and keeping the business running smoothly, while outside of work he values time with family and remains a loyal Patriots fan who also respects the Chiefs for their consistency and preparation.

 


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.


“The process was smooth, the offer was fair and we closed on time” - Pamela S.


“Great experience, fair price and quick closing.” -Jim M.

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