Can You Sell Your House If You're Behind on Mortgage Payments?
Yes — and We’ll Help You Do It
You can sell your house even if you’re behind on mortgage payments. Many homeowners in Texas face this challenge, and there are options available.
Behind on your mortgage? Many people are on the same place. Whether it’s just a few missed payments or you’re already in pre-foreclosure, we’ve helped folks in your shoes sell their homes fast, skip the stress, and move forward on their terms.
Get My Cash Offer (No Pressure, No Obligation)
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You’re Not the Only One Going Through This
Falling behind happens. A job loss, medical bills, inflation — life can hit hard, fast. As of result we’ve helped plenty of good people who never thought they’d be in this spot.
If you're feeling stressed, overwhelmed, or just not sure what to do next, you’re not alone.
Thankfully, there are ways out — and you’ve still got options. If you're unsure how to sell your house behind on mortgage payments, our team at SoTX Cash Buyer can guide you through the process.
What Happens to the Missed Payments If You Sell?
Here’s what most people want to know:
What happens to those missed payments?
If you’ve got equity in the house, those payments (plus any fees) are taken care of at closing. You don’t have to pay out of pocket.
Even if you're upside down or not sure where you stand, we may still be able to help. For example, we can work with the bank or explore other options like a short sale.
Real Seller Story — Marcus Got Out Clean
Marcus lost his job and got three months behind on payments. Foreclosure notice showed up in the mail, and he thought it was game over.
He reached out to us, we made a cash offer the same day, and handled everything with the bank.
Just nine days later, we closed the deal.
As a result, he walked away with some cash and no foreclosure on his record.
“I didn’t think anyone could help at that point. You guys made it simple, and I finally slept good for the first time in months.” – Marcus G., TX
Common Questions
1
Can I still sell even if I’m behind?
Yes. You still own the home and can sell it — even in pre-foreclosure.
2
What if I owe more than the house is worth?
We can talk through options like a short sale or working with your lender.
3
Will this ruin my credit?
Selling before foreclosure is one of the best ways to protect your credit.
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Do I need to fix anything?
Nope. We buy as-is — no repairs, no cleaning
How fast can we close?
Sometimes in as little as 7 days. We move at your pace.
Do I need a realtor?
No agent needed. No commissions. No fees. We take care of everything.
Foreclosure usually means losing the home and the equity.
If you're unsure how to sell your house behind on mortgage payments, our team at SoTX Cash Buyer can guide you through the process.
Why Work With Us
We’re not here to take advantage of you — we’re here to help.
We’re local, real people who’ve helped dozens of homeowners get out of tough spots. We don’t use pressure, we don’t play games, and we tell it like it is. That’s why dozens of homeowners have trusted us in their most difficult moments.
✔ No fees
✔ No hidden terms
✔ No judgment — just real help when you need it most
Let’s Talk — No Obligation
You’ve got more control than you think. Even if you’re behind, even if the bank is already moving — there’s still time to fix it.
Let’s talk about your options. No pressure. No obligation.
Once we’re connected, we’ll take it from there — and you can finally breathe again.
We’ll take it from there — and you can finally breathe again.