How many payments behind can I be and still sell to you?

We work with homeowners at any stage, whether you've missed one payment or many. Even if you've received notices from your lender, we can often still help. The sooner you reach out, the more options you'll have.

Will selling stop the bank from taking my house?

Yes! When we buy your home, we pay off the mortgage in full at closing. This stops the collection process and prevents foreclosure from appearing on your credit report. It's one of the fastest ways to get out from under an unaffordable mortgage.

What if I owe more than my house is worth?

We can still help. In some cases, we can negotiate with your lender for a short sale, where they accept less than what's owed. While you may not walk away with cash, you'll avoid foreclosure and protect your credit. We handle all negotiations with the bank.

How fast can you close?

We can close in as little as 7-14 days in most cases. If you're facing a specific deadline, like a foreclosure auction date, we'll do everything possible to close before that date.

Will I get any money from the sale?

If you have equity (your home is worth more than you owe), you'll receive the difference at closing. Even if equity is tight, selling before things get worse protects your credit and gives you a fresh start without the burden of an unaffordable mortgage.

Do I need to make repairs before selling?

Absolutely not. We buy houses as-is, regardless of condition. You're already dealing with enough financial stress, don't spend money on repairs. We'll handle everything after closing.

Will this hurt my credit?

Selling your home before foreclosure is much better for your credit than letting the bank take it. A foreclosure can drop your score by 100-150 points and stay on your report for 7 years. Selling to us stops that from happening.

What if the bank has already started foreclosure proceedings?

It's often not too late! Even after receiving a notice of default or notice of sale, we can frequently still help. Time is critical though, contact us immediately at (831) 419-4141 so we can assess your situation.

There Are Options

Behind on Payments?
There's a Way Out

Don't wait for things to get worse. Sell your house, pay off the mortgage, and protect your credit before foreclosure.

Stop StressStop the Stress Now

Get relief from mounting pressure and uncertainty

Save CreditProtect Your Credit

Avoid the lasting damage of foreclosure

Walk AwayWalk Away Clean

Pay off the mortgage and start fresh

As-IsSell As-Is

No repairs, no updates, no cleaning

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Waiting Only Makes It Worse

See why selling now beats waiting and hoping.

If You Keep Waiting

✕Late fees keep adding up
✕Credit score drops monthly
✕Constant stress and worry
✕Risk of foreclosure grows
✕Harder to qualify for housing later
✕Bank calls and letters continue

If You Sell Now

✓Mortgage paid off completely
✓Protect your credit score
✓End the financial stress
✓Avoid foreclosure record
✓Fresh start with cash in hand
✓Move forward on your terms

Helpful consultation for homeowners struggling with payments

You're Not Alone in This

Life happens. Job loss, medical bills, divorce, unexpected expenses, there are countless reasons people fall behind on mortgage payments. We've helped many families in your exact situation find a way forward.

There's no shame in needing help. Our goal is simple: give you options, treat you with respect, and help you make the best decision for your family's future. No pressure, no judgment, just real solutions.

How We Help You Move Forward

Simple process, quick relief, fresh start.

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We'll review your options together.

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Fair offer within 24 hours.

Fresh StartClose & Start Fresh

Mortgage paid, stress gone.

Behind on Payments Questions

Common questions about selling when you're struggling.

Ready for Relief?

Take the first step today. Get a free, confidential cash offer and see your options. No obligation, no pressure.

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A fresh start - relief from mortgage stress

Behind on Payments?There's a Way Out