I need to sale before foreclosure ?

You can sell right up until the trustee's sale actually happens, and in Utah you almost certainly have more runway than it feels like you do. That is the part nobody in this thread has told you, so let me be specific. Utah is a non-judicial foreclosure state. Your lender does not have to sue you and does not have to go in front of a judge. A trustee handles it, which makes it faster than a judicial state, but the steps are fixed by statute and they give you a clock you can actually plan around. Here is the sequence. Before anything gets recorded, the servicer generally has to give you at least 30 days to cure. Separately, under federal servicing rules a servicer usually cannot make that first foreclosure filing until you are more than 120 days delinquent. Then a notice of default gets recorded with the Weber County recorder. From that recording you have a three month reinstatement period, and the trustee has to wait out those three months before it can even issue a notice of sale. After that, the notice of sale has to be published once a week for three consecutive weeks in a newspaper of general circulation in the county, with the final publication landing at least 10 and not more than 30 days before the sale, and it has to be posted on the property and at the recorder's office at least 20 days ahead. Add it up and the realistic minimum from a recorded notice of default to an actual trustee sale is about four months. Not four weeks. That is enough time to list, market, and close a normal sale in most Utah markets. Two things about that window matter enormously. First, the sale stops the moment the loan is paid off. Call the trustee or the servicer and ask for two separate numbers, a reinstatement quote and a full payoff quote through a date about 45 days out. Reinstatement is what it takes to bring the loan current. Payoff is what it takes to make the lien disappear at closing. Those are different numbers and a lot of people only ever get the first one. Your listing agent needs the payoff figure to know whether a normal sale actually clears the debt. Second, and this is the hard one, Utah gives you no right of redemption after a non-judicial trustee sale. Once that gavel drops the trustee's deed conveys title and there is no buying it back. Every day before the sale is worth something. Every day after is worth nothing. That asymmetry is why Al is right about protecting your equity and why Amanda is right about moving fast. On the house needing work, that is much less of a problem than you think. Juan and Cassidy already covered that you can sell as-is mid process, and Keith's point about an auction style as-is sale is a legitimate route if the condition is severe. But do not assume it is your only route. In 2026 buyers are far more tolerant of deferred maintenance than they were, renovation financing is widely available on the buyer side, and a properly priced as-is listing on the MLS with real exposure will usually beat a single investor offer. Get a real opinion of value before you accept the first cash offer that shows up, because pre-foreclosure sellers get targeted hard and the pitch is always urgency. One free resource almost nobody uses. HUD-approved housing counseling agencies provide foreclosure prevention counseling at no cost and are not allowed to charge you for it. They can walk your file, tell you whether a loan modification, forbearance, or repayment plan is realistic, and do it without any stake in whether you sell. That is worth an hour of your time before you commit to anything. I am a real estate professional, not an attorney and not a lender. Utah foreclosure procedure has real legal consequences, including whether any deficiency can be pursued after the fact, so please have a Utah real estate attorney look at your specific documents. Nothing here is a substitute for that. I should be straight with you about where I am. I am Zoltan Peresztegi and I work the Los Angeles South Bay and the Palos Verdes Peninsula in California. Ogden is not my market and I am not going to pretend I know Weber County pricing. What I can do is put you in front of a Utah agent from my referral network who has actually handled pre-foreclosure timelines and knows how to work with a trustee's payoff department, which is a specific skill and not every agent has it. Message me and I will make that introduction. Move this week. The calendar is the only thing here you cannot negotiate. Zoltan

Yes, in many cases you can sell your home before the foreclosure process is complete, even if it needs significant repairs. In fact, selling before foreclosure is often one of the best ways to protect your credit and preserve any equity you may have. Don't assume the home's condition will prevent it from selling. Many buyers, including investors and buyers looking for renovation projects, are willing to purchase homes "as-is." The key is pricing it appropriately and getting it on the market as soon as possible. I also recommend contacting your lender right away. They may be willing to work with you while the home is being sold, especially if you're communicating proactively. Waiting too long can limit your options. If the amount you owe is more than the home's current value, you may also want to ask a local real estate professional or real estate attorney whether a short sale is an option. Time is your biggest asset in this situation. The sooner you speak with a knowledgeable local agent and explore your options, the more choices you'll have and the better your chances of avoiding foreclosure. I wish you the best and hope you're able to find a solution quickly. Juan Picos, Realtor

Yes, in many cases you can sell your home before foreclosure is completed—even if the property needs work and is being sold as-is. The most important factor is timing. The earlier you act, the more options you'll typically have. Many homeowners are surprised to learn that buyers, investors, and even traditional homebuyers will purchase homes that need repairs. Before making any decisions, I would recommend finding out: • How much you owe on the mortgage • Whether there are any additional liens against the property • The foreclosure timeline in your state • The home's current market value Depending on your situation, you may have options such as a traditional sale, an as-is sale, negotiating with the lender, or other alternatives that could help protect your equity. I've worked with homeowners facing difficult situations, and the biggest mistake I see is waiting too long to explore their options. If you're comfortable sharing a few details, I'd be happy to help you understand what paths may be available before foreclosure moves forward.

Auction style as is sale is your best option. Make sure you have a competent realtor that can execute this properly.

No need to worry about making repairs or cleaning anything out. As an investor, licensed agent, and end cash buyer, I am very familiar with homes in this condition and am comfortable purchasing it completely as is. There will be no inspections, no appraisal, and no requests for repairs or concessions. You are welcome to leave anything in the home and I will take care of everything after closing. I want this to be a smooth and easy process for you. If you or anyone you know finds themselves in a similar situation in the future, feel free to reach out.

Act quickly. Contact a local real estate professional to review your timeline and home value. You may also want to speak with your lender to understand your options. Selling before foreclosure can protect your credit and may allow you to walk away with equity if the home is priced and marketed correctly.

yes, most of time you have equity in home which is enough to walk away with before its too late

Do you find a good Realtor to help you?

If you have equity, be sure to list and sell before you lose it! Call a good REALTOR.

Hi Tanya, Contact a professional realtor and a real estate attorney first. Take care.