Behind on your mortgage? You still have options.
If you have fallen behind and the letters from your lender keep coming, a fast sale is one way to settle the loan before a foreclosure lands on your record. It is not the only way, and we will be honest about that.
- No fees or commissions
- We can move on a short timeline
- Talk to your lender first, it is free
See your options
Tell us where the house is and we'll start your cash offer. No cost, no obligation.
Falling behind on your mortgage is stressful, and the notices from your lender make it heavier. Maybe a job change, a medical bill, or a loss in the family put you behind, and now you are worried about the house. You have more room to move than it probably feels like right now.
Straight answer
If you are behind on payments in Lexington, you usually have a few ways out: work out a plan with your lender, catch up if you can, sell the house before the foreclosure finishes, or in some cases refinance. Selling for cash can pay off the loan quickly when you cannot catch up and want to keep a foreclosure off your record. The right move depends on how much time you have and whether you have equity.
This is general information, not legal advice.
Weigh these before you decide
- Talk to your lender first. This is free, and it is often the right first step. Ask about a repayment plan, a forbearance, or a loan modification. A HUD-approved housing counselor can also help you at no charge.
- Catch up on the payments. If a one-time setback put you behind, reinstating the loan may be all you need to get back on track.
- List with an agent. If you have equity and enough time before the sale date, selling on the open market can net you more than a cash offer.
- Sell directly for cash. When the clock is short or the house needs work you cannot pay for, a direct sale can close fast and pay off the loan.
Not sure how much time you have?
Tell us about the house and where things stand. We will look at the timeline with you and be straight about your best move.
When selling to us makes sense
A cash sale fits best when you are running low on time, you cannot catch the payments up, and you would rather sell than let the house go to auction. We can move quickly, pay off the loan at closing, and put any equity that is left into your hands. If you have time and equity, reach out anyway, and we will point you toward the option that leaves you better off.
Selling when you are behind
Tell us where things stand
Send us the address and let us know roughly how far behind you are and whether any notices have come. Nothing you tell us lowers your offer.
We make an offer and check the payoff
We look at the house and get a payoff figure from your lender so we know what it takes to clear the loan. Then we bring you a straight cash number.
We close before the deadline
A local title company handles the payoff and the paperwork, and we close on a date that beats the foreclosure timeline. Any money left after the loan is paid goes to you.
What sellers behind on payments ask
Often, yes, as long as there is enough time to close before the sale date. The sooner you reach out, the more room we have to get it done.
Get a cash offer before the deadline
Answer a few questions about the house. It is free, there is no obligation, and it may open up an option you did not know you had.
Where is the house?
Enter the property address. City defaults to Lexington.