Selling a House When You're Behind on Payments
Falling behind on mortgage payments starts its own timeline, set by your loan servicer and your state's law, that runs on its own regardless of any decision about selling. How much time is left, what notices have already gone out, and what a servicer requires to catch up are all specific to your loan and your state.
We can't help with the foreclosure itself. If selling is something you'd consider, we can introduce a cash buyer.
If you're weighing your options, a HUD-approved housing counselor or a local attorney can go through what applies to your loan, your state, and your timeline. That kind of advice is outside what we do; we only work with the sale side, if selling is a direction you're considering.
What this usually involves
- Notices, deadlines, and any options to catch up come from your loan servicer and your state's law, not from whether a house is for sale.
- A loan balance, missed-payment fees, and any other liens against the property typically need to be paid off at closing, whichever way a house is sold.
- Required notices and overall timelines vary significantly from state to state.
- A scheduled sale date, once set, is a fixed deadline that a private sale would need to close ahead of.
- Independent help exists specifically for this situation — a HUD-approved housing counselor or a local legal aid office, at no cost.
How it works
Tell us about the house
Address and rough condition, two minutes.
We introduce it to buyers in your area
Not to a single company.
Buyers reach out directly
They look at the house and handle their own offers. We're not on those calls and we don't set any numbers.
Frequently asked questions
Can you stop my foreclosure?
We can't help with the foreclosure itself. If selling is something you'd consider, we can introduce a cash buyer.
Should I stop making payments so I can sell faster?
That's a question for your loan servicer or an attorney, not us. We don't advise on payments to your lender one way or the other.
Is there a cost to talk to you about this?
No. Telling us about the house costs nothing, and buyers pay us, never you.
Where can I get help with the process itself?
A HUD-approved housing counselor or a local attorney can advise on your loan, your state's process, and your options. We only work with the sale side, if selling is a direction you're considering.