Vilonia · Faulkner County · AR
Stop Foreclosure in Vilonia, Arkansas
Behind on a Vilonia mortgage? Vilonia sits east of Conway off Highway 64, a tight-knit community with strong schools and steady appreciation through every market cycle. Foreclosure here runs through the Faulkner County Circuit Court at 801 Locust Avenue in Conway — same judicial process, same one-year redemption protection.
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Why Arkansas is different
Judicial foreclosure plus a 1-year redemption
Most Faulkner County foreclosures — including those in Vilonia — go through Arkansas circuit court. The lender files a complaint, you're served, and a judge ultimately enters a decree before a commissioner sells the property at the courthouse. Slower than Tennessee — and slower is good when you're the homeowner. More notice, more court-supervised steps, more time to fix it.
And then there's the part most people don't know: Arkansas gives you a full one-year right of redemption after the sale. You can buy the property back for the bid amount plus costs and interest.
If your Vilonia home sells at a Faulkner County commissioner's sale on a Thursday in March, you have until that same Thursday next March to redeem it — pay the bid price plus statutory costs and take it back.
Raising the cash inside a year while displaced is hard, but the door is legally open. It's also why title isn't fully clean for the buyer for a full year.
How a Vilonia foreclosure actually unfolds
Most Faulkner County foreclosures are judicial — filed in circuit court and ending with a commissioner's sale at the courthouse on Locust Avenue in Conway. Here's the realistic sequence for a Vilonia homeowner:
- 1
Day 1–120 — Federal pre-foreclosure window
Federal law requires servicers to wait 120 days from your first missed payment before they can officially start foreclosure. This is your most valuable stretch — every loss-mitigation option is still on the table and no court action has been filed.
- 2
Foreclosure complaint filed in Faulkner Circuit Court
The lender's attorney files a foreclosure complaint with the Faulkner County Circuit Clerk and serves you. You have 30 days from service to file an answer. Doing nothing means default judgment.
- 3
Decree of foreclosure entered
The court enters a decree authorizing the sale and appoints a commissioner. The case file becomes part of the public record on faulknercircuitclerk.com — usually weeks before the sale notice runs in the Democrat-Gazette.
- 4
Sale notices published in the Arkansas Democrat-Gazette
Judicial commissioner's sales must be published at least twice in the Democrat-Gazette legal notices, under "Foreclosures — Faulkner County."
- 5
Commissioner's sale at 801 Locust Avenue, Conway
The auction takes place at the Faulkner County Courthouse on a Thursday — exact time varies by case. Call the Circuit Clerk at 501-450-4911 to confirm. Cash or certified funds, sold to the highest bidder.
- 6
After the sale — the 1-year redemption clock starts
Arkansas gives the borrower a one-year right of redemption from the date of sale. The high bidder takes possession but title is not fully clean until that year runs out.
The cleanest exit is still before the courthouse. Even with Arkansas's one-year redemption window, a controlled sale before the commissioner's gavel drops gets you a fair price, a clean title transfer, and money in your pocket — instead of legal limbo stretched out over the next year.
Your real options when foreclosure is on the line
We'll be honest about which one fits your situation — even when the answer isn't us.
Save the house
Call your loan servicer's loss mitigation department. Ask about reinstatement, repayment plans, forbearance, or loan modification. If you have steady income and just hit a rough patch, this is usually the best outcome.
List with a Vilonia-area Realtor
If you have meaningful equity and the case hasn't gone to commissioner's sale yet, the open market typically nets you the most money. We can refer you to local agents who handle pre-foreclosure listings.
Sell to a cash buyer
If you need certainty and speed — or the sale date is close — selling directly to us locks in a closing date and walk-away cash. No repairs, no showings, no commission, no court drama.
Vilonia & Faulkner County foreclosure FAQ
Where do Faulkner County foreclosure auctions happen?+
At the Faulkner County Courthouse, 801 Locust Avenue, Conway, AR 72034. The Faulkner County Circuit Clerk runs commissioner's sales — typically on Thursdays, though the exact time varies case by case. You can confirm the day-of time by calling the Circuit Clerk at 501-450-4911. The clerk's office maintains the upcoming Commissioner Sales list at faulknercountyar.gov.
Where are the foreclosure notices published?+
The Arkansas Democrat-Gazette is the legal-notice paper of record for Faulkner County. Look in the classifieds under "Legal Notices" and "Foreclosures — Faulkner County." Notices for judicial commissioner's sales must be published at least twice. You can also search the Democrat-Gazette classifieds online at classifieds.arkansasonline.com.
How do I pull records on my own situation?+
The Faulkner County Circuit Clerk at 724 Locust Avenue, Conway, records all deeds of trust, mortgages, and liens. Their searchable online records at faulknercircuitclerk.com cover 1972 to present and refresh every 30 minutes — one of the better-maintained county records systems in Arkansas.
Is Faulkner County judicial or non-judicial?+
Both are legal in Arkansas, but most Faulkner County foreclosures are judicial — the lender files a lawsuit in circuit court for a decree of foreclosure (a commissioner's sale). That means there's a clearer, earlier public paper trail than in Tennessee, and the court-supervised process tends to give homeowners more notice and more time to act.
What is the Arkansas one-year redemption period?+
Arkansas gives the borrower a one-year right of redemption after the foreclosure sale — you can buy the property back from the high bidder for what they paid, plus costs and interest. This is one of the longest redemption windows in the country and a critical difference from Tennessee.
How long does the process take?+
Federal law requires the lender to wait 120 days from your first missed payment before they can officially start foreclosure. After that, in a judicial case you'll be served with a complaint and have 30 days to file an answer; if you don't, default judgment is entered and the sale is scheduled. From first miss to courthouse, you're typically looking at 6+ months in Faulkner County.
Can I stop the foreclosure once it's been filed?+
Often, yes. Reinstatement, forbearance, loan modification, short sale, listing with a Realtor, Chapter 13 bankruptcy, or selling to a cash buyer like us before the sale date. Even filing an answer to the complaint can buy meaningful time. We'll walk through every option honestly — even the ones that don't involve us.
Do I have to be local to sell to Titan Property Investors?+
No. We're based in Heber Springs, Arkansas — about an hour from Faulkner County. We close deals through reputable Conway-area title companies and real estate attorneys. You sign locally or remotely with a notary, and funds wire to your account at closing.
Talk to Jeff about your Vilonia property
One phone, one person. No call center, no script. We'll talk through your situation and help you figure out the right next step — whether that's us or not.