How to Convince a Bank to Postpone Foreclosure for a Short Sale

When you're facing foreclosure, the clock is ticking—and fast. But if there's a serious buyer on the table and a legitimate hardship, you can often get the bank to hit pause. The key? Submitting a clean, complete short sale package and knowing exactly how to ask for the postponement.

Start With a Complete Package—Not Just a Plea

Before you even think about asking the bank to delay a foreclosure, make sure you've submitted a full short sale package. That means:

• A signed purchase offer

• The seller’s short sale application

• All required financials and supporting hardship documents

Want to see exactly what needs to be included? Check out our short‑sale process guide.

Make the Ask—Twice

Once your full package is in, call the lender and follow up in writing. Be polite but firm. And don’t be afraid to escalate to a supervisor.

Lead With the Hardship

This is where you humanize the file. Share the seller’s story. Keep it brief but heartfelt—it makes a difference.

Work With the Foreclosure Attorney

Contact the foreclosure attorney directly to confirm they’ve been notified. Don’t assume the lender will pass along the message in time.

FHA and VA Loans? Use the Investor Angle

If it's an FHA or VA loan, elevate to the investor directly for help pushing through a postponement.

Wrap‑Up: Your Foreclosure Delay Checklist

• Submit a full short sale package

• Call and request a delay

• Follow up in writing

• Escalate if needed

• Highlight the hardship

• Coordinate with the foreclosure attorney

• Reach out to FHA/VA if applicable

Need help now? Start your short sale today—we’ll make it easy. And if you’re curious about who we serve, take a look at the clients we help. We work with homeowners, agents and investors across Georgia and beyond.