Can You List Your House If You Are Behind on Payments?

Wondering if you can list your house when you're behind on payments? You're not alone—many Texas homeowners face this same challenge.

f you've missed a mortgage payment or two, you may be wondering:

“Can I still list my house?”
“Will the bank even let me?”

The short answer:
✅ Yes, you can list your home — you still legally own it.
But the clock is ticking. The sooner you act, the more control you have.

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Sell your house if you're behind on mortgage payments

What Happens When You Miss a Mortgage Payment

Here’s what usually happens:

  • 30 days behind: You’ll start getting late notices and credit damage
  • 60–90 days: Your loan is considered in default, and the lender may begin the pre-foreclosure process
  • After 90+ days: A notice of default or foreclosure may be filed

Even if this happens, you can still list your home and find a buyer before the bank takes over.

Want to know the full timeline? Here’s how many payments you can miss before foreclosure ➔

Can You List During Pre-Foreclosure?

Yes — even if the lender has filed a pre-foreclosure notice, you still own the property  and have the right to sell.

The key is acting before the foreclosure sale date. Once that date hits, the window closes.

You can list with a realtor

Or sell directly to a cash buyer

Either way, the past-due payments are paid at closing

Need the full process? See our guide to selling while behind ➔

What to Expect When You List While Behind

Here’s what you should be aware of:

Buyers will see the timeline — so speed matters

If your equity is strong, the missed payments will be paid at closing

If not, a short sale may be needed (we can help with that)

Communication with your lender is helpful — but not always required

Wondering if you need to notify them? Here’s what to know ➔

Still Behind? You Can Still Sell — and We’ll Help You Move Fast

If you're behind and thinking about listing, don’t wait too long.
We can help you explore your options — including a cash offer that avoids listing altogether.

👉 See how to sell your house even with missed payments ➔

No pressure. Just real help.

to the right cash offer

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Drop us a line today for a free quote!

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