Sell Your House Fast During Behind on Payments
Sell your house before falling further behind on mortgage payments.
Missing mortgage payments creates a snowball effect of late fees, penalties, and stress. The longer you wait, the harder it becomes to catch up. Selling your house for cash can help you pay off your mortgage, avoid foreclosure, and start fresh. We can make you a fair offer and close quickly so you can move forward with your life.
Complete Guide to Selling Your House During Behind on Payments
Falling behind on mortgage payments creates a snowball effect that can feel impossible to escape. One missed payment leads to late fees, then another missed payment, then more fees, then threatening letters from the lender. The hole gets deeper every month.
Many homeowners in this situation try to hide from the problem, hoping something will change. They avoid calls from the lender, don't open the mail, and pretend everything is fine. This is the worst approach. Lenders have more workout options early in delinquency than later, and your selling options are maximized before foreclosure formally begins.
If you're behind on payments, you have several options:
1. **Catch up**: If you have resources or income returning, you might be able to bring the loan current. However, this gets harder every month as fees accumulate.
2. **Loan modification**: Your lender may agree to modify your loan terms. This process can be lengthy and isn't guaranteed.
3. **Sell the house**: If you have equity, selling lets you pay off the mortgage and potentially walk away with cash. Even if underwater, selling before foreclosure is usually better than the alternative.
4. **Short sale**: If you owe more than the house is worth, the lender may accept less than the full balance in a short sale.
The key is taking action before foreclosure begins. Once foreclosure proceedings start, your options narrow and stress multiplies. If you're behind on payments, now is the time to explore your choices.
How We Help You Sell During Behind on Payments
Assess Your Situation
How many payments behind are you? What's your current income situation? Is catching up realistic? We'll help you evaluate honestly.
Calculate Your Equity
We'll determine what your home is worth versus what you owe, including all late fees and penalties.
Explore Options
Based on your equity and situation, we'll explain whether a regular sale or short sale makes more sense.
Make a Decision
If selling is right for you, we'll make a fair cash offer. There's no pressure - this is your choice.
Close and Move Forward
We close quickly, your mortgage gets paid off, and you can start fresh without the burden of unmanageable debt.
Common Challenges When Facing Behind on Payments
We Solve These Problems
Our cash home buying service eliminates these challenges. No repairs, no waiting, no uncertainty - just a fair offer and a fast closing on your timeline.
Real Behind on Payments Success Story
Patricia, a nurse in Pembroke Pines, fell three months behind on her mortgage after a combination of divorce and unexpected medical bills. Each month she promised herself she'd catch up 'next month,' but the late fees kept piling up. The hole was getting deeper.
When we met Patricia, she was four months behind and had received her first official notice from the lender. She was terrified of foreclosure but didn't see a way out. Her home was worth about $40,000 more than she owed, even with the late fees.
We explained her options clearly. She could try to catch up (about $12,000 needed), attempt a loan modification (uncertain outcome, 3-6 months process), or sell and walk away with cash. Patricia chose to sell.
We closed in 14 days. Patricia paid off her entire mortgage and walked away with $31,000 after all closing costs. She used the money to rent an apartment, pay off her medical bills, and rebuild her savings. The weight off her shoulders was visible - she later told us she slept well for the first time in months.
Why Acting Quickly Matters
Benefits of Selling to Us
Why Choose Us
How It Works
Selling your house for cash is simple. Here's our straightforward 3-step process.
Contact Us
Fill out our simple form or give us a call. Tell us about your property and situation. No pressure, no obligation.
Get Your Offer
We'll schedule a quick visit to your property (or do a virtual tour) and present you with a fair cash offer within 24-48 hours.
Close On Your Terms
Accept our offer and choose your closing date. We handle all the paperwork. Get your cash and move on with your life.
Traditional Sale vs. Selling to Us
When you're facing behind on payments, time and certainty matter. See why selling for cash makes sense.
🏠Traditional Sale
- 3-6 months average time to sell
- 5-6% agent commissions ($15,000+ on $300K home)
- Repairs and staging often required
- Showings, open houses, strangers in your home
- Buyer financing can fall through
💰Selling to Us
- Close in as little as 7 days
- Zero commissions or fees
- No repairs needed - sell 100% as-is
- No showings or open houses
- All-cash offer, guaranteed closing
What Our Clients Say
Real stories from real homeowners who sold their houses fast for cash.
“After my mother passed, dealing with her house was the last thing I wanted to worry about. They made it so easy - I didn't have to clean anything out or make any repairs. Closed in 10 days and I could finally focus on grieving and healing.”
Maria G.
Miami • Inherited Property
“Going through a divorce is hard enough without fighting over the house. Getting a fair cash offer helped us split things evenly and move on with our lives. The quick closing meant we could both start fresh sooner.”
Robert & Susan T.
Fort Lauderdale • Divorce
“I was three months behind on my mortgage and didn't know what to do. They explained all my options and helped me sell before the bank took the house. I actually walked away with money in my pocket and saved my credit.”
James W.
Pembroke Pines • Foreclosure
We Help Behind on Payments Home Sales Throughout South Florida
If you're facing behind on payments and need to sell your house in South Florida, we can help. We buy houses in these cities and throughout Miami-Dade, Broward, and Palm Beach counties:
Behind on Payments Home Sale FAQs
You can sell at any point before the foreclosure auction completes. Even if you're 6, 12, or more months behind, selling is still possible. However, acting sooner gives you more options and likely better outcomes.
Yes, and that's actually good. Lenders prefer you sell versus going through foreclosure. They'll cooperate with a legitimate sale. The title company will work with your lender to determine the exact payoff amount.
If your home is worth more than what you owe (including all late fees and penalties), you keep the difference. We pay off your mortgage at closing and any remaining proceeds go to you.
You still have time, but you need to act quickly. Pre-foreclosure is actually an ideal time to sell - you still have ownership and time to close a deal before the situation worsens.
Being behind on payments already affects your credit. However, selling and paying off the mortgage stops further damage and is much better for your credit than foreclosure, which stays on your record for 7 years.
Completely normal, and unnecessary. Financial hardship can happen to anyone - job loss, medical issues, divorce, and many other life events cause people to fall behind. We work with homeowners in this situation every day without any judgment.
Still have questions?
Get a free cash offerOther Situations We Help With
No matter your situation, we can help you sell your house fast for cash.
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