SELLER RESOURCES
Behind on Mortgage Payments? Compare Your Options
A missed payment can make every property decision feel urgent. Start with the actual deadlines, the amount owed and whether keeping the home is still your goal.
Start with the facts
Keep your most recent mortgage statement and any notices together. Ask your mortgage servicer for the current account status and available assistance. A HUD-approved housing counselor can help you understand your options; foreclosure prevention counseling is free.
If a sale date, lawsuit or other deadline appears in a notice, speak promptly with a qualified local attorney. Sending us a form does not pause a deadline or stop foreclosure.
Compare keeping the home with selling
- Keeping the home: ask your servicer and counselor about assistance that fits your circumstances.
- A market listing: compare a realistic sale timeline, repairs, selling expenses and your available time.
- A direct sale: compare the written purchase price, conditions and estimated proceeds after payoffs and costs.
A high headline price is only one part of the decision. Confirm what you would receive and whether the proposed timeline is feasible.
What to prepare for a purchase review
- Property address, occupancy and known repair needs.
- Approximate mortgage balance, other known liens and relevant dates.
- Your preferred outcome, asking price and realistic moving plan.
Share only the information needed initially. Do not send bank passwords, Social Security numbers or account login details through our inquiry form.
How Sensible can help
We are private real estate investors. We can review whether buying the property is a fit and discuss written terms if it is. We do not provide foreclosure rescue, mortgage relief or a guaranteed purchase. If a direct purchase isn’t the best fit, we can help you explore other selling pathways that support your goals.
Helpful next steps
Tell us about your property and goals
Use our existing inquiry form. Share your asking price and situation during the review. There is no obligation to accept a proposal. We work toward your preferred closing date, subject to completion of property due diligence and title review.
Discuss Your Property Call (646) 875-8622 Email Our Acquisitions TeamInformational use only. All content is strictly for informal informational purposes only. It is not legal, tax, financial or other professional advice. Consult qualified professionals about your circumstances. A property inquiry is not an offer or commitment to buy. Purchase terms are confirmed in writing.