Selling If You Are Behind on Mortgage Payments

If you have missed mortgage payments and you do not have a foreclosure sale date yet, you still generally own the house and can sell it. A cash sale can close in about two weeks and pay the loan from proceeds when the numbers work. House Sold Easy buys as-is. This is not the same page as foreclosure. We cannot promise to stop a foreclosure. Call 636-525-1566.

This is not legal advice and not counseling from your lender.

Behind on payments is not the same as a sale date

Missed payments, late fees, and collection calls are one stage. A notice of default or a scheduled trustee sale is another. If you already have a sale date, go to foreclosure and call the same day. If you do not, this page is the right starting point.

Call your lender or servicer and ask where the account stands. Ask for a payoff good-through date. We need that number. We also need to know about second mortgages, HELOCs, and tax or judgment liens.

What a cash sale can do — and cannot

It can turn the house into a closing that pays recorded liens from proceeds, often faster than a listing that needs repairs and a buyer’s loan. It cannot erase a debt that is larger than the house will support. If you are underwater, say so. We will not write a fantasy number. Short-sale talk belongs with your lender and, if you use one, your attorney. We buy for cash; we do not run your loss-mitigation file.

We do not promise to “save the house.” We do not promise to repair your credit. We buy the house as-is if the math and the calendar work.

What to do this week

1. Call us with the address, occupancy, and how many payments are behind.
2. Request a written payoff from the servicer.
3. Gather tax bills and any other lien notices.
4. Let us walk the house — 30 minutes, no cleaning.
5. Compare a written offer with a listing net if you still have time. Cash vs listing.

If the house is vacant, also read vacant house. If you are relocating and the payments slipped during the move, relocating.

Missouri context, generally

Missouri residential foreclosures are often handled as trustee sales under the deed of trust, with timing that depends on the loan documents and notices. Do not use a national blog’s timeline as your deadline. Use the papers you were actually served or mailed. County tax sales are a separate track from a mortgage foreclosure. Liens and back taxes.

We have bought 1,000+ houses in Missouri and Illinois since 2016. David or Mike walks the house. Office in Brentwood. 4.7 stars on Google from 65+ reviews.

Common questions

Should I wait until I get a sale date?

No. Earlier is simpler. Once a sale date exists, the calendar is tighter. See foreclosure.

Will you pay my mortgage?

The title company pays recorded liens from sale proceeds when the numbers work. You receive what is left.

What if I am behind on taxes too?

Tell us. Taxes and the mortgage both matter. We cannot promise to stop a tax sale.

Do I have to list the house first?

No.

Can I sell if I still live there?

Yes. You pick possession with the close.

Is this credit advice?

No. Talk to a counselor or attorney if you need that.

Do you buy as-is if I stopped maintaining the house?

Yes. As-is.

Who do I call?

636-525-1566, 24/7.

Talk to a person

Call or text 636-525-1566 any time. House Sold Easy has bought 1,000+ houses in St. Louis, Missouri and Illinois since 2016. You will deal with David Dodge or Michael Slane. The office is at 1750 S Brentwood Blvd, Suite 503, in Brentwood. Google shows 4.7 stars from 65+ reviews — read those on Google, not as stars on this page.

If you want the cash path, send the address on the form. If you want a listing net sheet, get that from an agent and compare. We will not pretend every house should sell to us.

Talk to the servicer and to us — different jobs

The servicer owns the loan conversation: forbearance, modification, repayment. We own the purchase conversation: what the house is worth to us as-is, and whether a closing can pay the loan. Mixing those jobs is how people lose weeks. Call both. Do not wait on one to start the other.

If a housing counselor is already in the file, keep them. We are not a replacement for HUD-approved counseling or for a bankruptcy attorney. We are a cash buyer. If a sale is the cleanest way to stop the clock before a sale date exists, we can write the offer while you keep talking to the lender.

Bring late notices, not just the memory of a phone call. Dates matter. So does whether anyone still lives in the house. Occupied files are fine. Vacant files are fine. Surprise occupants are not fine — tell us.

When the math does not work

If the payoff is larger than any responsible cash offer, we will say so. That is not a negotiation trick. It is the difference between a closing and a file that dies at title. Options then may include listing, a lender-approved short sale, or waiting. We do not run those for you.

If a sale date appears while we are walking the house, the file moves to the foreclosure rules: tighter calendar, same honesty about what we cannot promise.

Cross-links: liens and back taxes · relocating · situations · how it works