Stop the Slide. Get Relief Fast.
Behind on Payments? Here Is How to Sell Your House
If you have fallen behind on your mortgage, selling for cash can pay off the loan and stop the path toward foreclosure before it damages your credit further. Tell us about the house to see your options.
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Your Options
Can You Sell a House If You Are Behind on Payments?
Yes. Being behind on your mortgage does not stop you from selling. As long as the sale pays off the loan balance, including any missed payments and fees, you can sell and walk away clear.
Acting while you are behind, but before foreclosure is filed, gives you the most control. You avoid the credit damage of a foreclosure and keep any equity above the payoff.
The Process
How to Sell Fast When You Are Behind on Payments
A cash sale is fast because there is no buyer financing and no repair list to slow it down.
- Tell us the loan balance and how far behind you are.
- Get a same-day cash offer and confirm it covers the payoff.
- We get the exact payoff figure from your lender.
- We close quickly so the loan is cleared before the situation worsens.
Cash Offer
We Buy Houses From Owners Behind on Payments
HomeWise buys for cash, as is, so you do not need to catch up on payments or fund repairs before selling. We handle the payoff coordination with your lender directly.
Because we use our own funds, the close does not hinge on a buyer's loan approval, which matters when every month adds more to the balance.
The Comparison
Behind on Payments: Sell Now vs Wait
Waiting while behind usually means more late fees, a growing payoff, and the eventual start of foreclosure, which is the worst outcome for both your credit and your equity.
Selling now stops the bleeding, clears the loan, and protects your record. If you can realistically catch up or work out a modification with your lender, that may be worth exploring first, and a HUD-approved counselor can help you weigh it.
What to Know
Your Options When You Fall Behind
Behind on payments is not the same as in foreclosure. You typically have a window after missing payments before a lender formally begins the foreclosure process, though the exact timing varies by lender and state. That window is when you have the most options.
Those options can include a repayment plan or loan modification with your lender, refinancing if you qualify, or selling. Selling for cash is the fastest way to fully resolve the debt and avoid foreclosure when catching up is not realistic.
Any Condition. Any Situation.
We Buy Houses in Any Situation
Whether you need to sell a house in foreclosure, sell an inherited house, sell a rental property, or sell a house that needs repairs, HomeWise buys homes as is with no cleaning, no showings, and no agent commissions.
Sell a House to Avoid Foreclosure
Stop the clock and protect your credit and equity before the bank acts
Sell an Inherited or Probate House
Sell an inherited house as-is and skip the stress of probate
Sell a House During Divorce
Divide assets quickly, fairly, and stress-free
Sell a House Behind on Payments
Get immediate debt relief with a guaranteed cash offer
Sell a House That Needs Major Repairs
Sell as-is. We absorb the repair burden, no contractor needed
Sell a Vacant House Fast
Stop carrying the cost of a home you don't use
Sell a Rental Property With Tenants
Sell with tenants in place. We handle problem rentals
Sell Before Relocating for Work
Close fast so you can move forward with your life
Common Questions About Selling a House: Behind on Payments
Honest answers about selling in this situation, what to expect, and how fast you can close.
Can I sell if I am several months behind?
Yes. As long as the sale covers the full payoff, including missed payments and fees, you can sell and clear the loan.
Will the missed payments come out of my proceeds?
The lender's payoff figure includes missed payments and fees. Whatever equity remains above that payoff comes to you at closing.
Is this better than a loan modification?
It depends. If you can realistically afford the home after a modification, that may be better. If not, selling fully resolves the debt. A housing counselor can help you compare.
How fast can you close?
Typically 7 to 14 days, which is often fast enough to clear the loan before foreclosure begins.
Real Stories From Homeowners Who Sold to HomeWise
Every review is from a verified Google Business profile. Real homeowners, real closings, real results.
“This process was so easy, thanks for making what could have been so time consuming a piece of cake.”
Sara Cantu
“Josh was great to work with. He explained everything clearly, kept me updated, and made the whole process easy. If you're selling your house, I'd definitely recommend him.”
Giselle Rachels
“Josh has been a pleasure to work with. He made it super easy for me to get rid of my home ASAP and made the process as simple and stress-free as possible.”
Matt Ferrara
“Selling our parents' home felt overwhelming until we found HomeWise. They handled everything with care and gave us a fair offer.”
Dana Richards
“Closed in 9 days. No repairs, no showings, no agent fees. Exactly what they promised.”
Marcus Webb
“I was facing foreclosure and HomeWise helped me close before the bank could take the house. Lifesavers.”
Elena Brooks
“Inherited a property I couldn't keep up with. HomeWise made the sale simple and the cash hit my account in under two weeks.”
Ryan Mitchell
“Got three other quotes. HomeWise's offer was competitive AND they actually closed on schedule. Would use again.”
Priya Shah