Start with the deadline. Then look at the options.
When mortgage payments fall behind, it can be difficult to know which conversation to have first. If you are considering selling, we can assess whether a purchase is workable within the time available. Tell us about any notices or scheduled sale date at the start so we can be direct about what may be possible.
01
Keep your lender in the conversation
Exploring a sale does not replace speaking with your loan servicer. If your goal is to keep the home, ask about available assistance and speak with a qualified housing counselor. Continue tracking notices and deadlines while comparing your choices.
02
Look at what a sale would actually leave you
The proposed price is only part of the picture. Current payoff amounts, other claims against the property, transaction costs, and the time needed to close all matter. We can discuss the proposed purchase while the closing professionals confirm the figures.
03
Make room for your move
A quick closing still needs a practical plan. Let us know about occupants, belongings, and where your next move stands. Any possession or move-out arrangement must be agreed in writing rather than assumed from a conversation.
A practical path forward
What working together could look like.
We first review the deadline and basic property details. If a purchase looks feasible, we assess the home and explain proposed terms. Closing professionals must confirm the requirements and timing. A conversation, offer, or signed purchase agreement does not itself stop a foreclosure.
What you receive, when you receive it, and what you’re responsible for all matter. We explain the proposed payment structure, costs, property condition, and timing so you can assess the whole agreement.
Review the net proceeds, any conditions to closing, and your move-out arrangements. If a proposal involves financing or an existing mortgage, have an independent professional review the risks and responsibilities with you.
You can call to discuss the property and the time available. Tell us about any notices or sale date right away. We’ll be direct about whether a purchase looks workable, while you continue talking with your lender or adviser.
Can you close before my scheduled sale date?+
We can review whether that is possible, but cannot promise it before checking the details. The deadline, payoff requirements, title, and ability to complete the purchase all matter. Please share the date at the start.
Will an offer from you stop the foreclosure?+
No. A conversation or purchase agreement does not itself stop foreclosure. Keep working with your lender, a qualified housing counselor, or your attorney about the deadline and your options.
What if I would rather keep my home?+
Tell your loan servicer that keeping the home is your goal and ask what assistance may be available. A housing counselor or attorney can help you explore those options. Our role is to discuss a purchase if selling is something you want to consider.
Will there be money left for my move?+
That depends on the purchase price, what is owed, and the agreed costs. The closing professionals will need to confirm the figures. Ask to review the estimated amount you would receive before making plans around it.
Do I need to fix anything before you look at the house?+
No. Share the current condition and the deadline. We can evaluate a potential purchase without asking you to start a renovation first.
More than one thing going on?
A property can fit more than one situation. Explore what matters to you.