Towns County homeowners — in Hiawassee, the county seat, and across Young Harris and the surrounding North Georgia mountain communities — who miss a payment, receive a notice of intent to foreclose, or learn of a scheduled first Tuesday auction should act quickly. Georgia forecloses through a non-judicial power-of-sale process under a security deed, with one of the fastest timelines in the country — as little as 37 days from notice of sale to auction. Georgia has no statutory right to reinstatement or post-sale redemption, so every day matters. Dream Financial Management provides Towns County, Georgia foreclosure assistance since 1994.
Fill out the form below and we'll contact you within 24 hours.
Georgia's non-judicial power-of-sale process under a security deed moves quickly. Some Georgia foreclosure timelines can move in approximately 37 days depending on when statutory requirements are satisfied, but individual timelines vary. With no statutory right to reinstatement or post-sale redemption under Georgia law, the time before the first Tuesday sale is when you have the most options. Acting early in Hiawassee, Young Harris, and across Towns County gives us the best chance to present loss mitigation, a loan modification, or another alternative to your lender.
Georgia forecloses predominantly through a non-judicial process under a security deed and power of sale (O.C.G.A. §44-14-162). No lawsuit or court judgment is typically required to hold the sale.
If payments are missed, the lender sends a notice of intent to foreclose and may provide an opportunity to pursue loss mitigation before the sale.
The lender publishes the Notice of Sale Under Power for four consecutive weeks before the sale, in accordance with the required pre-sale notice.
The foreclosure sale is held at the designated county sale venue — commonly on the steps of the Towns County Courthouse in Hiawassee — on a first Tuesday.
Confirmation of the sale is only applicable in certain cases, and a deficiency may be pursued in some situations where it applies.
Important to know: Georgia provides no statutory right to reinstatement or post-sale redemption in the ordinary non-judicial process. Because the timeline can move quickly, homeowners in Hiawassee, Young Harris, and across Towns County should act before the sale to pursue a loan modification, repayment or workout plan, or another foreclosure alternative.
We proudly serve homeowners across Towns County, including Hiawassee (the county seat), Young Harris, and the surrounding North Georgia mountain communities.
Seek a permanent change to your loan terms to make your monthly payment more affordable.
Pursue a repayment or workout plan to catch up missed payments over time.
Explore alternatives to foreclosure that may help you avoid or delay the sale.
Work with your servicer through loss mitigation options designed to avoid foreclosure.
Let us review your situation and lay out your options.
Having these ready helps us act quickly on your behalf in Hiawassee, Young Harris, and throughout Towns County.
Call now. Early action gives you the most options.