Pre-Foreclosure Leads
Homeowners 90+ days behind on mortgage payments with a window to sell before foreclosure closes. Updated weekly from public court filings.
We're onboarding county foreclosure-filing data right now. Pre-foreclosure leads will appear here as each county feed goes live — in the meantime, you can browse 398,000+ county property records in the property finder.
What Are Pre-Foreclosure Leads?
Pre-foreclosure leads are homeowners who have received a notice of default from their lender — typically after missing 3+ mortgage payments. They still own the property but face a deadline before the bank repossesses it or sells it at auction.
This 90–180 day window is your opportunity. The owner needs a solution. A cash offer that closes fast, lets them avoid foreclosure on their record, and puts money in their pocket is often worth more to them than maximizing the sale price. PropertySignalHQ tracks these filings across 5 states and scores each lead based on urgency, equity position, and overlapping distress signals.
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Frequently Asked Questions
What is a pre-foreclosure property?
A pre-foreclosure property is one where the homeowner has fallen 90+ days behind on mortgage payments and the lender has filed a notice of default — a public record marking the start of foreclosure proceedings. The owner still holds title and can sell before the bank takes possession, creating a motivated-seller window for investors.
How early should I contact homeowners in pre-foreclosure?
The earlier the better. The pre-foreclosure window in most states runs 90–180 days from the notice of default to the foreclosure auction. Contacting an owner in the first 30–60 days of that window gives you the best chance at a deal — they still have time and options. Investors who show up at the courthouse steps on auction day are competing on price, not on solutions.
What's the difference between pre-foreclosure and foreclosure?
Pre-foreclosure is the period after a lender files a notice of default but before the property goes to auction or the bank repossesses it. The owner still holds title and can sell or refinance. Foreclosure is when the bank takes ownership — usually through an auction. Pre-foreclosure leads are more valuable because you can negotiate directly with the homeowner rather than compete at auction.
Are pre-foreclosure leads legal to market to?
Yes. Pre-foreclosure filings are public records — filed with county courts and accessible to anyone. There are no federal restrictions on contacting homeowners in pre-foreclosure. Some states have specific rules around foreclosure consultant services, so consult local counsel if you're providing advice beyond a straight purchase offer.
How does PropertySignalHQ score pre-foreclosure leads?
Every pre-foreclosure property receives a 0–100 opportunity score based on stacked distress signals. A property that is pre-foreclosure AND tax delinquent AND absentee-owned scores significantly higher than one with only a single missed payment. The highest-score leads surface the most motivated sellers. Filter by minimum score to work only your top-priority targets.