Sell a House Behind on Payments | Nuhome Capital
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Behind on payments

Sell a House When You Are Behind on Payments

If you are behind on mortgage payments in California, selling now protects your credit and lets you walk away with money. We can pay off your lender through escrow, close on your timeline, and stop the balance from growing. Fast, direct, no fees to you.

Get my cash offer Call 562-600-4821

When we help

Situations we handle regularly

  • You have missed a few payments and are worried about a Notice of Default.
  • The mortgage is more than you can afford after a job loss, medical event, or divorce.
  • You want to sell before the situation turns into pre-foreclosure or a lawsuit.
  • You have a HELOC, second mortgage, or judgment lien that needs to be paid off.
  • You are current on the mortgage but know you cannot keep paying for long.

Watch and learn

Short explainers from Justin Brown covering the situations we see most often.

Watch: 6 ways to stop foreclosure without destroying your credit

Ready for a way out?

A fast, as-is cash sale can stop the calls and save your credit.

Get my cash offer Call 562-600-4821

How it works

Behind on payments sale walkthrough

1. Tell us where you stand

How many payments behind, roughly how much you owe, and the property address. That is enough to get moving.

2. We pull payoff and title

Real numbers on the current balance, any other liens, and clean-title steps.

3. Cash offer within 24 hours

Honest number based on comps and condition.

4. Close through escrow

Lender is paid off at closing. You keep any remaining equity.

Falling behind? Let's figure out your options.

We work with attorneys and lenders every day. Cash offer in 24 hours.

Get my cash offer Call 562-600-4821

Every property has its own mix of issues. If your situation looks more like one of these, start there — we'll route you either way.

Pre-Foreclosure Expired Listing Sell As-Is

Every property has its own mix of issues. If your situation looks more like one of these, start there — we'll route you either way.

Pre-Foreclosure Expired Listing Sell As-Is

Every property has its own mix of issues. If your situation looks more like one of these, start there — we'll route you either way.

Pre-Foreclosure Expired Listing Sell As-Is

Every property has its own mix of issues. If your situation looks more like one of these, start there — we'll route you either way.

Pre-Foreclosure Expired Listing Sell As-Is

Behind on payments FAQ

Common questions

Should I sell before I fall further behind?
In most cases yes. Every missed payment adds interest, late fees, and legal risk. Selling now typically protects more of your equity and your credit.
Will selling hurt my credit?
A regular sale is not a negative credit event. Missed payments already on your report will stay for their normal period, but a completed sale avoids the much bigger foreclosure hit.
Can you help me if I already got a Notice of Default?
Yes. See our pre-foreclosure page for the fast-close process.
What if I have a HELOC or second mortgage?
Both are paid off through escrow at closing. We coordinate payoffs with all lien holders.
Do you help with loan modifications or forbearance?
No — those are your lender's programs. If a modification or forbearance is a better fit than selling, we will tell you.
Can I sell if I filed for bankruptcy?
Sometimes, with the bankruptcy court's approval. We can work through it with your attorney.
What if the house also needs repairs?
Not a problem. We buy as-is, so you do not have to spend money you do not have to prepare the house.
How fast can we close?
As few as 7 days if title is clear. If there are liens or a bankruptcy filing, it takes longer but is usually still weeks, not months.

Also see

Related pages

Selling as-is

What "as-is" really means in a cash sale.

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Inherited house

How a probate or inherited-house sale actually works.

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Tired landlord

Selling a tenant-occupied rental without an eviction.

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About Nuhome Capital

Who we are, how we operate, and why we do not fake reviews.

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Where we buy

We buy houses across five Southern California counties.

Los Angeles County Orange County Riverside County San Bernardino County San Diego County

Get your offer

Ready for a fast, as-is cash offer on your Southern California house?

Tell us about the property or give us a call. We follow up within one business day with a range and a plan.

Get my cash offer Call 562-600-4821