Sell Your CA Home While Behind On Mortgage Payments

Selling California Home When Behind on Mortgage Payments?

Google 5 star reviews - Property Homebuyers CA

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Sell Your CA Home While Behind On Mortgage Payments

cash home buyers in California CA

Falling behind on mortgage payments can be a stressful experience, especially when the threat of foreclosure is looming. If you’re in this situation and wondering about your options, one path to consider is selling your California home while you’re behind on payments. This can help you avoid foreclosure, protect your credit, and provide financial relief.

At Property Home Buyers, we specialize in helping homeowners like you by offering fast, as-is cash sales for properties in all situations. In this guide, we’ll cover everything you need to know about selling your home while behind on mortgage payments in California and how Property Home Buyers can make the process simple and stress-free.

Understanding the Impact of Missed Mortgage Payments

Selling a California Home with Missed Mortgage Payments

When you miss a mortgage payment, the clock starts ticking toward more severe consequences. Here’s a quick breakdown of the typical timeline:

  1. First Missed Payment: Your lender will send a notice of late payment. You may incur a late fee, but this stage is usually flexible if you contact your lender.
  2. 30 to 60 Days Late: At this point, your lender may report your late payment to credit bureaus, which can negatively impact your credit score.
  3. 90 Days Late: The lender might start pre-foreclosure proceedings, sending you a formal demand for payment known as a “Notice of Default.”
  4. Foreclosure Proceedings: If you continue missing payments after the Notice of Default, the lender may move forward with the foreclosure process, which can result in your home being auctioned off.

If you’re behind on your mortgage, selling your home before the foreclosure process begins or completes can be an effective way to regain control over your financial situation.


Selling your California house for cash is easy with Property Homebuyers CA because we eliminate the middle man (agents or banks). We do not depend on approvals or inspections from third parties in order to buy your house! Fair cash offers, NEVER low-ball offers.

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Contact Us

We will review the details of your home and schedule a time to meet with you.

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Get Your Offer

Once we view the property and estimate repairs, we present you with a fair, all cash offer.

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Get Paid

Close on your schedule. Sell your house on your terms and get the cash you need.

Why Sell Your Home When Behind on Payments?

1. Avoid Foreclosure

The biggest benefit of selling your home while behind on mortgage payments is avoiding foreclosure. Foreclosure can damage your credit score for years, making it difficult to obtain loans, rent a home, or even get a job in some cases.

2. Pay Off Your Debt

Selling your home can give you the financial means to pay off your outstanding mortgage balance. Depending on the sale price and the amount you owe, you may even walk away with extra cash in your pocket.

3. Protect Your Credit

By selling your home before it enters foreclosure, you can prevent further damage to your credit score. A foreclosure can remain on your credit report for up to seven years, while a home sale allows you to minimize the negative impact of missed payments.

4. Gain Financial Flexibility

Selling your home allows you to move on from a burdensome mortgage and pursue other housing options that may better fit your current financial situation, such as renting or downsizing.

How to Sell a Home While Behind on Mortgage Payments in California

Selling a home while you’re behind on mortgage payments is different from a traditional home sale. Here’s a step-by-step guide on how to navigate this process in California:

1. Assess Your Financial Situation

Before putting your home on the market, it’s essential to understand exactly how much you owe on your mortgage, including any fees and penalties from missed payments. Contact your lender to get an accurate payoff amount.

2. Consider Your Options

There are several ways to sell your home, and not all of them will provide the speed and convenience you may need. These options include:

  • Listing with a Real Estate Agent: While this is the traditional route, it may take months to sell your home, and you’ll need to factor in agent commissions, closing costs, and potential repairs.
  • For Sale by Owner (FSBO): This option saves you on commissions but can be time-consuming and challenging, especially if you’re unfamiliar with the real estate process.
  • Selling to a Cash Home Buyer: If you need a fast, hassle-free sale, selling directly to a cash buyer like Property Home Buyers can be the best option. We can make an offer within 24 hours and close in as little as seven days.

3. Sell Before Foreclosure

If you’re behind on payments but haven’t entered foreclosure yet, there’s still time to sell your home and settle your mortgage debt. Selling your home before foreclosure allows you to stop the process before it begins, keeping your credit intact.

4. Negotiate with Your Lender

In some cases, lenders may be willing to work with you to avoid foreclosure. You can negotiate a short sale, where the lender allows you to sell the home for less than the amount owed on the mortgage. Keep in mind that this process requires lender approval and can take time.

5. Choose the Right Buyer

If you decide to sell, choosing the right buyer is critical. A reliable cash buyer like Property Home Buyers can ensure a smooth, quick transaction without the usual headaches of traditional home sales, such as inspections, appraisals, or repairs.

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Google 5 star reviews - Property Homebuyers CA

“Justin was super professional and understanding of our situation and answered all of our questions we had about the whole thing… he really just have me the feeling that I was dealing with a friend rather than doing business with a random person, which I really appreciated.

-Sean Alicante google-5-star-review

Sell My House For Cash In California!


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We buy homes in any condition. No need to make any repairs or clean. Take what you want and leave the rest to us.

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Sell to us and you won’t have to pay any commissions, fees, or closing costs. We cover all those expenses.

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No low-ball offers. You’ll get a fair, all cash offer within 24 hours of us seeing the property. Already have another offer? Let us try to beat it!

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No need to evict problem tenants before selling your house. We take care of any tenant issues so you don’t have to.

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Sell fast or take some extra time. Totally up to you. Choose a closing date that works best for your timeline.

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We will take care of all the paperwork and working with the title company to organize the closing. You just sign at closing and get paid!

See What Other Sellers Have Said About Working With Us

Another happy seller selling their property to  Property Homebuyers Ca.
Testimonial Feedback
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sell your home for cash California California

Communication is key and Justin nailed it with everything from an email, to a text message, to an actual phone call. He walked me through every step of the way and explained everything to the T. I couldn’t recommend anyone better in the business than him.

-Joey P. Yelp-5-Star-Business

Benefits of Selling to Property Home Buyers

Selling to Property Home Buyers offers a range of benefits, especially for homeowners behind on mortgage payments. Here’s why you should consider working with us:

1. Sell As-Is – No Repairs Needed

When you’re behind on mortgage payments, the last thing you want to worry about is making costly repairs. We buy homes in any condition, so you can skip the repairs and updates.

2. Fast and Simple Sale

With Property Home Buyers, you don’t have to wait months to find a buyer. We can make a cash offer within 24 hours and close on your timeline, typically in as little as seven days.

3. No Hidden Fees or Commissions

Unlike selling through a real estate agent, there are no commissions, closing costs, or hidden fees when you sell directly to us. The offer we make is the amount you’ll receive at closing.

4. Avoid Foreclosure

By selling your home quickly, you can stop the foreclosure process in its tracks. We work with you to ensure a fast sale so you can avoid foreclosure and its damaging effects on your credit.

5. Hassle-Free Process

We handle all the paperwork and details, making the process as simple as possible for you. All you need to do is accept our offer, and we’ll take care of the rest.

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Why Pay Thousands In Agent Fees?
We Buy Houses In California Direct From Sellers!

Before committing to a 6-month listing agreement with a realtor, why not get a cash offer first? It’s completely free, with no obligation to accept. There’s absolutely no risk!

Frequently Asked Questions (FAQs)

1. Can I sell my home if I’m already in foreclosure?

Yes, you can still sell your home if it’s in the foreclosure process, but you’ll need to act quickly. Once the foreclosure sale has taken place, you no longer have control over the property.

2. What if I owe more on my mortgage than my home is worth?

If you owe more than your home’s current value, you may need to negotiate a short sale with your lender. We can help guide you through this process to achieve the best possible outcome.

3. How fast can Property Home Buyers close the sale?

We can close in as little as seven days, or on a timeline that works best for you. Our goal is to provide a fast, flexible solution to help you out of a difficult situation.

4. Do I need to make repairs before selling?

No, we buy homes in any condition, so you don’t need to worry about repairs, cleaning, or staging the property.

5. How does the cash offer process work?

Simply contact us and provide some basic information about your property. We’ll assess the home and make a fair cash offer within 24 hours. If you accept, we’ll handle the closing process and pay you cash directly.

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Why Choose Property Home Buyers?

At Property Home Buyers, we’re dedicated to helping homeowners in difficult situations, including those behind on mortgage payments. Our mission is to provide a fast, fair, and hassle-free solution for selling your home. With our team of experts, we’ll guide you through every step of the process, ensuring that you can move forward with confidence and financial peace of mind.

If you’re behind on mortgage payments in California and need to sell your home quickly, contact Property Home Buyers today for a free, no-obligation cash offer.

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Local House Buyers In California!

When selling your home, you get to choose what company you want to work with in CA. At At Property Homebuyers CA, our priority is to offer a positive solution while making the process quick, easy, and fair for you.

Companies That Buy Houses For Cash In California

California

Buy My Home For Cash In California

Property Homebuyers San Jose – We Buy Houses – Sell My House Fast
2570 N First St 2nd Floor
San Jose, CA 95131
408-385-9874

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