Stop Foreclosure in Des Moines, IA

Updated October 23, 2026 · Written by Brandon Wielenga, owner of River Capital LLC

If you've fallen behind on your mortgage in Des Moines, Iowa's foreclosure process gives you something most states don't: time. Foreclosures here go through the courts, take months, and even after the sale you may have up to a year to reclaim your home. But time only helps if you use it — every week you wait narrows your options.

Your Options in Des Moines

Reinstate the loan — bring it current any time before the sheriff's sale and the foreclosure stops.
Loan modification or forbearance — your servicer may renegotiate terms, especially if your hardship was temporary.
Sell on the market — if you have equity, a traditional listing can capture it.
Sell directly for cash — no repairs, no showings, no commissions, and we can often close before the sale date.
Deed in lieu — voluntarily transfer the property to the lender to avoid the foreclosure on your record.

We'll walk through all of these honestly — including telling you when selling to us isn't your best move.

How Foreclosure Works in Iowa

Iowa requires lenders to foreclose through the courts (Iowa Code Chapter 654). After you're ~120 days behind (federal rule), the lender files suit in Polk County District Court. The case typically takes five to six months to reach a sheriff's sale. The sheriff posts notice in three public places and publishes it twice weekly in a newspaper, starting at least four weeks before the sale.

Here's Iowa's standout feature: after the sale, you get a redemption period — one full year by default (six months if the lender waived a deficiency judgment), during which you keep possession and can reclaim the home by paying the sale price plus interest and costs. (General information, not legal advice — confirm deadlines with a Polk County attorney or HUD-approved counselor.)

Why Des Moines homeowners in foreclosure call us

We move fast — cash offer in 24 hours, close in as little as 14 days
We buy as-is — no repairs, no cleaning, no staging
We explain every option, not just a sale to us
No fees, no commissions, no pressure

Discuss Your Options Or Get a Cash Offer

Common Questions

Stop Foreclosure in Des Moines — FAQs

Can I still sell if a foreclosure case has been filed?

Yes — up until the sheriff's sale, you can sell the property and pay off the loan from the proceeds.

What if the sale already happened?

Iowa's redemption period (up to a year) may still let you reclaim the home. Talk to an attorney immediately.

Will selling to you hurt my credit less than foreclosure?

Generally a sale — to us or anyone — impacts your credit less than a completed foreclosure, but everyone's situation differs.

Own a Problem Property in Des Moines?

Let's talk it through. We'll give you a straight answer and a clear look at every option — no pressure, no obligation.