Sell My Mass House
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Home  /  Behind on payments
Behind on payments

Behind on the mortgage? You still have options.

Falling behind on mortgage payments is stressful, but it does not mean you are out of choices. Selling for cash before a foreclosure completes can help you protect the equity you have built.

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Leave everything behind We work with your attorney Close on your timeline
Free · No Obligation

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We'll reach out within 24 hours. Need to talk sooner? Call or text (617) 762-5719.

25,000+
Massachusetts homeowners helped
As is
No repairs or cleanout ever needed
7 days
Close fast, or on your schedule
We make it simple

Acting early protects your options

When you fall behind on your mortgage, the lender can eventually begin the foreclosure process. The earlier you act, the more choices you keep, and the better your chance of walking away with your equity rather than losing it.

We buy homes for cash and can often close quickly, which gives owners who are behind a way to sell, pay off the loan, and keep whatever equity is left. We will also be honest with you about every option, including the ones that do not involve selling to us.

Simple by design

How selling a house works

1

Tell us about the property

Share the address and where things stand with the estate. It takes about 2 minutes and there is zero obligation.

2

Get a fair cash offer

We review the home and the local market, then present a fair cash offer with a clear explanation of how we got there.

3

Close on your schedule

We coordinate with your attorney, handle the paperwork and closing costs, and you choose the closing date.

Start with my free offer →
You don't carry this alone

Honest help, not pressure

You do not need to clean the house, fix anything, or make trips back and forth across the state. Take any keepsakes and personal items you want, and leave everything else exactly where it is. We deal with the cleanout, the condition, and the logistics.

If the estate is still in probate, that is normal and not a roadblock. We regularly coordinate with the personal representative and the estate's attorney so the sale lines up with the court's timeline. We are buyers and not attorneys, so your estate counsel always confirms what is permitted in your specific case, and we work around it.

The honest comparison

Cash sale vs listing an home

Selling to us

  • Buy as is, belongings can stay
  • Zero commissions or fees
  • No showings during a hard time
  • We coordinate with the attorney
  • Stop the monthly carrying costs fast

Listing on the market

  • Full cleanout before photos
  • Repairs and updates to compete
  • 5 to 6 percent in commissions
  • Weeks of showings from a distance
  • Carrying costs pile up while it sits
Real homeowners

From homeowners we've helped

★★★★★ 134+ five star reviews on Google
★★★★★

"I inherited my uncle's house in Waltham that needed a ton of work. I live in New York and couldn't handle repairs or showings. They gave me a fair cash offer and closed in 10 days. Made a stressful situation so much easier."

Sarah M.Waltham, MA
★★★★★

"We inherited a property in Brockton in terrible condition. They made a strong offer within two days and handled everything. We closed on our schedule, super professional and honest."

Jennifer K.Brockton, MA
★★★★★

"Had to sell my mom's house in Medford quickly after she passed. It was outdated and full of stuff. They handled it all and we closed in 9 days. Very compassionate and fair."

Emily C.Medford, MA
★★★★★

"Probate sale in Newton that was dragging on. They stepped in, gave a good offer, and closed efficiently. Great local service."

Linda H.Newton, MA
Questions, answered

Behind on payments FAQ

Can I sell my house if I am behind on payments? +
Yes. As long as the home has not completed foreclosure, you can usually still sell it. Selling for cash can let you pay off the loan and keep any remaining equity.
Will selling stop the foreclosure? +
A completed sale that pays off the loan resolves the debt. Timing matters, so acting earlier gives you more room. An attorney or housing counselor can advise on your specific case.
How fast can you close? +
We can often close in days, which is part of why a cash sale helps when time is short. You still choose the date that works for you.
Is this legal or financial advice? +
No. This is general information only. We strongly encourage you to speak with an attorney or a HUD approved housing counselor about your specific situation.

See all situations we buy in →

Get a fair offer and honest options

Free, no obligation, and no pressure. Sell when the family is ready.