Falling behind on your mortgage payments can feel like drowning in quicksand. The late notices pile up, the phone calls from the bank become relentless, and the fear of foreclosure looms large. If you’re in this situation, you are not alone—and you still have options.

At Moe Buys Homes, we help homeowners who are behind on their mortgage find fast, fair solutions. Whether you’re already in pre-foreclosure or just a few months late, selling your house quickly could save your credit and your peace of mind.

🚩 What Happens When You Fall Behind on Mortgage Payments?

The mortgage process moves faster than most homeowners expect. Here’s what typically happens:

30 days late: You get a late fee and a missed payment notice
60–90 days late: The lender sends a formal demand letter (Notice of Default)
Beyond 90 days: You may enter pre-foreclosure
After that: The bank can begin the foreclosure process, taking legal action to repossess the home

This timeline can vary by lender and state, but one thing is constant: the longer you wait, the fewer options you have.

💣 Common Reasons People Fall Behind

You’re not irresponsible—you’re human. We’ve helped homeowners facing:

Job loss or income reduction
Divorce or separation
Medical emergencies
Unexpected repairs
Death in the family
Rising mortgage rates on adjustable loans
Missed payments due to other debts

These events can spiral quickly, leaving you stuck with a home you can’t afford—and a bank that’s losing patience.

💡 Selling May Be the Smartest Move

If you’re struggling to catch up or your lender won’t negotiate, selling your home quickly can prevent foreclosure and protect your credit.

Here’s why selling now is better than waiting:

You may still have equity in the property
You can avoid the damage of a foreclosure on your credit report
You stay in control of the timeline—not the bank
You avoid sheriff sales, public records, and court involvement
You may even walk away with cash in hand

🏡 Can I Sell My House If It’s in Pre-Foreclosure?

Yes, absolutely. Pre-foreclosure is not the same as foreclosure. During this stage, you still legally own the property—and have the right to sell it.

However, you’ll need to act fast. Once the home goes into full foreclosure, your ability to sell without the bank’s permission becomes much more limited.

This is where Moe Buys Homes can help you move quickly and legally.

✅ How Moe Buys Homes Helps You Sell Fast (Even With Late Payments)

We specialize in helping distressed homeowners avoid foreclosure by offering fast, fair, cash offers—no banks, no inspections, and no commissions.

Here’s how it works:

Reach out to us: Fill out a short form or call us directly
Get a same-day home evaluation: We assess your property as-is
Receive a cash offer within 24–48 hours
Pick your closing date: We can close in as little as 7–10 days
Pay off the mortgage, avoid foreclosure, and move on

We’ll even work with your lender and title company to make sure the sale goes smoothly—so you don’t have to stress over the paperwork.

💬 Real Story: Jason Sold His House and Stopped Foreclosure

Jason lost his job during a company downsizing and fell 3 months behind on his mortgage. He was about to enter foreclosure when he called Moe Buys Homes.

We made him a cash offer the next day, handled all the paperwork, and closed in 9 days—before the foreclosure was finalized. Jason was able to:

Pay off the remaining mortgage
Avoid a foreclosure on his credit
Walk away with extra cash to start fresh

🧠 Common Questions

Q: Do I have to be in foreclosure to sell?
A: No. You can sell at any point, even if you’re just a month behind on payments.

Q: Will you still buy my house if I have no equity?
A: In many cases, yes. We can work with lenders on a short sale or other solutions.

Q: Do I have to fix or clean anything before you buy?
A: Not at all. We buy homes as-is, no matter the condition.

Q: How long does it take to close?
A: Typically 7 to 14 days, but we can work with your timeline.

🛑 Don’t Wait for the Bank to Take Your Home

Every day you wait, your credit score suffers, and your options shrink. If you’re behind on your mortgage payments, the best time to act is right now.

At Moe Buys Homes, we’ll treat you with respect, never pressure you, and give you a clear path forward—even in difficult times.

👉 Get a Free, No-Obligation Cash Offer Today
📞 Or call us at (251) 299-9632 and talk to a real human who cares.

BEHIND ON MORTGAGE PAYMENTS? HERE’S HOW TO SELL BEFORE IT’S TOO LATE