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X Home - Trusted Solutions

Columbus, Ohio

Facing foreclosure in Columbus?
You still have options.

We're based right here in Columbus, so if you're facing foreclosure anywhere in central Ohio, you're talking to neighbors - not a national call center. We've sat at kitchen tables from Hilliard to Reynoldsburg and walked fellow Buckeyes through the same court process you're staring at now.

Talk to Anthony today - it's free (opens in a new tab) Call or text 614-368-7159
Anthony, co-founder of X Home

You'll talk to Anthony - not a call center.

Free & confidential. During the day, you'll usually hear back within minutes.

Tell us where you're at.

A few quick questions, then pick a time with Anthony that works for you. Free, confidential, no obligation.

Step 1 of 2

Where are you in the process?

Takes about 30 seconds. You'll confirm your details when you pick your time.

Step 2 is Anthony's calendar - pick any free 30-minute slot.

Free · Confidential · No obligation

The clock in Columbus

How foreclosure moves in Franklin County.

In Franklin County - and every Ohio county - foreclosure is a court case. It starts when your lender files a Complaint in the Court of Common Pleas, and you have 28 days from being served to file an Answer. The case then runs for months, not weeks: Franklin County even offers a court-connected mediation program that can pause things while you work out a solution. If it reaches a sheriff's sale, the home must be appraised and can't sell for less than two-thirds of that value - and nothing is final until the court confirms the sale roughly 30 days later. Until confirmation, you can still redeem the property or sell on your own terms.

Counties we serve around Columbus

Franklin CountyDelaware CountyFairfield CountyLicking CountyPickaway CountyUnion County

Including homeowners in

DublinWestervilleGrove CityHilliardReynoldsburgGahannaWorthingtonNewark

Want the full plain-English walkthrough of the Ohio process? Read our Ohio foreclosure guide ›

Questions Columbus homeowners ask us.

How long does foreclosure take in Franklin County?
Months, not weeks - usually somewhere between six months and a year. Ohio is a judicial foreclosure state, so your lender has to sue you in the Franklin County Court of Common Pleas and win before anything can be sold. The one deadline that moves fast is your Answer: you have 28 days from the day you're served to respond to the Complaint. File it, and you stay in the case with real leverage. After that, the timeline works in your favor.
What happens if I ignore the foreclosure Complaint I was served in Columbus?
The court grants your lender a default judgment - which means they win automatically, without you ever telling your side. That's the single most expensive mistake Ohio homeowners make. Filing an Answer within 28 days keeps you in the case, preserves your defenses, and opens the door to Franklin County's foreclosure mediation program, where you and your lender sit down with a neutral mediator to work out alternatives. Even a simple Answer is far better than silence.
Can I sell my Columbus home before the sheriff's sale?
In most cases, yes - and often even after it. Central Ohio's housing market means many homeowners have real equity, and a sheriff's sale rarely brings full market value. You can typically sell right up to the sale, and Ohio law gives you an equity of redemption until the court confirms the sale (usually about 30 days after auction). Selling on your own terms protects your equity, keeps a foreclosure off your record, and lets you choose your own move-out date.
Is your help really free for Columbus homeowners?
Yes - completely. We never charge homeowners a fee, upfront or otherwise. In fact, anyone who asks you for money upfront to 'save' your home is showing you the #1 sign of a foreclosure rescue scam - walk away. We earn our living on the back end through referrals or, only if you choose to sell to us, through the eventual resale of the property. We're your Columbus neighbors, and the conversation costs you nothing.
Book a free consultation (opens in a new tab) Text 614-368-7159

How to know you're in safe hands

Foreclosure attracts scammers.
Here's how we're different.

The moment your foreclosure became public record, the letters and calls started. Federal regulators publish the warning signs of a foreclosure rescue scam - so hold us to every one of them.

We never charge you a fee. Not upfront, not ever.

Charging homeowners upfront for foreclosure help is the #1 red flag of a rescue scam - and it's illegal. Our guidance costs you nothing, period.

We never ask you to sign over your deed or title.

Your home stays yours. If you ever decide selling is your best path, it happens the normal way - a standard Ohio Association of Realtors contract you review on your own timeline.

We never tell you to stop paying your lender.

Anyone who tells you to redirect your mortgage payments to them is stealing from you. We will never touch your mortgage payments.

We never pressure you to sign anything you don't understand.

Take every document to a lawyer, a family member, or anyone you trust. We'll wait - and we'll encourage it.

You've made it this far. The next step is a 30-minute call - no pressure, and no calling you back if you don't want it.

You have options.
Let us show you what they are.

Every day that passes is a day closer to your auction date. The sooner you reach out, the more options we can explore together.

Talk to Anthony today - it's free (opens in a new tab) Call 614-368-7159 Text us

Call or text anytime. During the day, you'll usually hear back within minutes.

Anthony, co-founder of X Home

You'll talk to Anthony - not a call center.

Free & confidential. During the day, you'll usually hear back within minutes.

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