Behind on Payments
Behind on Payments? Sell and Get Relief
We buy houses from homeowners who are behind on mortgage payments. Get a cash offer, pay off your lender, and start fresh.
Why Homeowners Choose Homewise for Behind on Payments
Pay off your mortgage and eliminate the debt
Avoid the credit damage of a foreclosure
No fees, no commissions. Keep more of your equity
Close in as few as 7 days
What Falling Behind on Payments Means for You
Missing mortgage payments triggers a cascade of consequences. Late fees accumulate, your credit score drops, and your lender eventually begins the foreclosure process. Every month you wait costs more in penalties, stress, and lost equity.
A traditional listing takes months to close, and during that time your debt continues to grow.
How Selling for Cash Stops the Cycle
A cash sale lets you pay off your mortgage in full at closing, stopping the debt from growing further. Because we buy directly with no contingencies, there's no risk of a deal falling through at the last minute.
You walk away with whatever equity remains after the mortgage is paid, free and clear.
Your Next Steps
Share your property details and we'll evaluate your situation within 24 hours. If you owe more than the home is worth, we may be able to work with your lender on a short sale.
Either way, you'll have a clear picture of your options, with no obligation.
Frequently Asked Questions
In some cases, we can work with your lender on a short sale. Contact us and we'll evaluate your specific situation.
What Homeowners Say About Selling for Cash
Every review is from a verified Google Business profile. Real homeowners, real closings, real results.
“This process was so easy, thanks for making what could have been so time consuming a piece of cake.”
Sara Cantu
2025
“Josh was great to work with. He explained everything clearly, kept me updated, and made the whole process easy. If you're selling your house, I'd definitely recommend him.”
Giselle Rachels
2025
“Josh has been a pleasure to work with. He made it super easy for me to get rid of my home ASAP and made the process as simple and stress-free as possible. Thank you so much!”
Matt Ferrara
Feb 2025
“After my mom passed away, we needed someone trustworthy and professional to purchase her home. Josh and Brian exceeded every expectation.”
Dana Richards
2025
“HomeWise was great and always kept me in the loop. Best cash home buyer in the area by far.”
Greg Larson
Sep 2024
“Ken was cordial, responsive, and guided me through the entire process, explaining all my options clearly. I appreciate the professionalism and support. Thank you, HomeWise!”
Laurent Kwan
Sep 2024
“They were professional, helpful and kept me updated. Brian was wonderful from the first conversation to our last. I highly recommend them.”
Michael Mullins
2025
“I recently sold my property to Brian West at Homewise, and I couldn't be happier with how easy and painless the entire process was.”
Teddy Kay
Jan 2025
“It was a pleasure working with Josh. I referred a client out due to them needing to sell faster than conventionally listing and worrying about repairs. Nothing short of a great experience!”
Chase Krovic
Jul 2024
“Working with HomeWise has been extremely easy and stress free. Josh was great to work with and super communicative.”
Maria Santos
Mar 2025
“Had a great experience selling my house to homewise. Joshua was very helpful, and transparent during the entire experience.”
Ben Busha
Mar 2025
“I sold a home to HomeWise, and the entire process was smooth from start to finish. Josh and the team were great to work with.”
Camden West
2025
Start Today
Ready to Sell? Get a Fair Cash Offer in 1 Hour
Get a no-obligation cash offer in as little as 1 hour. Fast, simple, and on your timeline.
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Get a no-obligation cash offer today.
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