Michigan Foreclosure Timeline: Protect Your Home with City Lights Home Buyers [2025]

June 17, 2025

Facing foreclosure in Michigan? You’re not alone—and you still have options. At City Lights Home Buyers, we’ve helped hundreds of homeowners across Grand Rapids, Kentwood, and beyond avoid foreclosure, preserve their equity, and start fresh. Here’s exactly how Michigan’s foreclosure process works—and how we can help you beat the clock.

Meet Sarah & Tom: A Grand Rapids Success Story

Sarah and Tom from Kentwood fell behind on payments after Tom’s hours were cut. With the Sheriff’s Sale just weeks away, they reached out in desperation.

“We thought we’d lose everything. City Lights made a fair cash offer in 24 hours. We closed in 10 days and walked away with money to start over.”

You don’t have to wait until the last minute. We’re ready to help now.

The Michigan Foreclosure Timeline (and When to Act)

1. First Missed Payment – Don’t Wait

Your lender adds late fees and begins calling. Most sellers freeze here.

What to do: Contact your lender—or call us for a no-pressure, cash offer. We can buy your home before it gets worse.

Local Tip: We’ve helped sellers in Ada, Wyoming, and Rockford—even during harsh Michigan winters.

2. Second Missed Payment – The Pressure Builds

Expect more aggressive calls, notices, and lender threats.

Yes, you can still sell your home in foreclosure.

We buy homes as-is—even cluttered or damaged—throughout Grand Rapids, Cascade Township, and the surrounding suburbs.

3. Demand Letter – Final Warning (You Have 30 Days)

The bank sends a Demand Letter—a serious pre-foreclosure step.

“Most homeowners don’t realize they can still sell here,” says Caleb, our founder. “We helped a family in Comstock Park preserve $25K in equity before auction.”

4. Foreclosure Attorney Gets Involved

Now legal fees start piling up. But it’s not too late.

How we help: We’ve bought homes right before court filings, helping sellers walk away with cash instead of a judgment.

5. Sheriff’s Sale – The Auction Happens

The home is auctioned to the highest bidder, often for less than market value.

Avoid losing control. Sell to City Lights before the sale and walk away with peace of mind.

6. Redemption Period – 6-Month Countdown

Michigan gives you six months to reclaim your home, but few can afford it.

We can still help. Sell during redemption and keep your dignity, equity, and control.

7. Eviction – The End of the Road

Once the redemption period ends, formal eviction begins. But it doesn’t have to go this far.

Even after foreclosure, we can buy your home and help you relocate on your terms.

Why Michigan Sellers Trust City Lights Home Buyers

✅ Fair Cash Offers in 24 hours
✅ Close on YOUR Terms – 7 days, 30 days, or more
✅ Zero Fees – No commissions or surprise costs
✅ Local Experts – Grand Rapids-based, BBB-accredited, community-driven

“We treated Sarah and Tom like family—not a transaction,” says Caleb. _”That’s our promise to every seller.”

Act Now—Beat Foreclosure with Confidence

📞 Call: (616) 202-3922 (No bots—Caleb answers personally!)
📧 Email: caleb@citylightsgrandrapids.com
🌐 Visit: Stop Foreclosure Now

Don’t Wait Until It’s Too Late

Foreclosure moves fast—but so do we. Whether you’re in Byron Center, Alpine Township, or Grandville, we’re ready to make you a fair offer and protect your future.

P.S. Still Deciding?

Check these trusted resources:

  • Michigan’s Official Foreclosure Guidelines
  • Nolo’s Foreclosure Legal FAQ
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