Behind on Payments? Sell Your San Diego House As-Is
Falling behind can happen to anyone. You deserve calm, clear help and no pressure.
You are not the only one
Job loss, a medical bill, a divorce, a rate that went up, a repair that cost too much. There are many ways to fall behind on a mortgage, and most of them are not anyone's fault. It can feel lonely and scary. Letters from the lender can pile up, and it is hard to know who to trust.
Whatever has happened, you may have options, and it helps to learn about all of them before you decide.
Talk to the right people first
We are not lawyers and we do not give legal or financial advice. Here are two kinds of people who can. A HUD-approved housing counselor can go over your situation and explain what choices you may have. A real estate or foreclosure attorney can explain your rights and deadlines. It also helps to call your lender or loan servicer early and ask what they can do.
Selling can be one choice among several. It may not be the best one for you, and it is okay to take time and ask questions.
How we may be able to help
NextStep Properties is a Southern California team that buys, fixes up and sells homes. We buy houses as they are, so you do not fix, clean out or stage anything. Call or send the form and a real person will get back to you, listen, and make a cash offer if it fits. We will not pressure you. You say yes only if it is right for you.
If you have a sale date or a deadline from your lender, tell us right away. We will be honest about whether we can help. We cannot stop a foreclosure ourselves.
A word of caution
People who are behind on payments sometimes get calls from strangers promising to fix everything. Be careful of anyone who asks for money up front, or asks you to sign over your deed before you have talked with a counselor or an attorney.
You can always take a day to think. If anyone, including us, makes you feel rushed, that is a reason to slow down.
Questions people ask
Can you stop a foreclosure?
No. We can make an offer to buy the house, and you decide if it helps. For options and deadlines, talk with a HUD-approved housing counselor or an attorney.
What if I owe more than the house is worth?
That is a harder situation, and your lender needs to be part of it. A housing counselor can help. Tell us the numbers and we will be honest with you.
Will you judge me for being behind?
No. Plenty of good people fall behind. We just want to listen.
Do I have to decide right away?
No. Take the time you need, and ask questions of us and of the other people helping you.
Related help
Other situations we can talk about.