Need To Sell Your House But Behind On Payments? Call 434-390-2906
How Lynchburg Homeowners Can Avoid Foreclosure and Move Forward
Falling behind on mortgage payments is stressful, but it doesn’t mean you’re out of options. Whether you’re one payment behind or several, you may be wondering:
“Can I sell my house before things get worse?”
The answer is yes and in many cases, selling your home while you’re behind on payments can help you avoid foreclosure, protect your credit, and give you a fresh financial start.
What Happens When You Miss Mortgage Payments?
Once you miss a payment or two, your lender will likely:
- Charge late fees
- Send notices warning of default
- Report the delinquency to credit bureaus
After several missed payments, you may receive a Notice of Default, which starts the pre-foreclosure process in Virginia. If no action is taken, the lender can schedule a foreclosure sale, often with very little court involvement. The key is acting before that happens.
Why Selling Makes Sense When You’re Behind
If you know you can’t catch up on the payments, selling your home before the foreclosure is completed can help you:
- ✅ Avoid a foreclosure on your credit report
- ✅ Pay off your mortgage (and possibly keep your equity)
- ✅ Stay in control of your timeline and next steps
- ✅ Prevent the stress of eviction or legal proceedings
What Are Your Options for Selling?
Here are a few ways to sell your home if you’re behind on payments in Lynchburg VA:
1. Traditional Sale
If your home is in good condition and you have enough equity, you may be able to list it with a real estate agent. Just be sure to act quickly to avoid delays that could push you closer to foreclosure.
2. Sell As-Is to a Cash Buyer
If time is tight or the home needs work, consider selling to a local cash buyer like Linken Investments. We specialize in buying homes fast—even if you’re behind on payments, facing foreclosure, or dealing with liens or code issues.
3. Short Sale (If You Owe More Than the Home Is Worth)
If your loan balance is more than your home’s value, a short sale may be an option. This involves getting lender approval to sell the home for less than what’s owed.
What If You’re Already in Pre-Foreclosure?
Even if you’ve received a Notice of Default, you can still sell the home before the auction date. The sooner you act, the better chance you have to close the sale in time to avoid foreclosure.
We Help Lynchburg Homeowners Sell—Even If You’re Behind
At Linken Investments, we help homeowners just like you sell their homes fast—no commissions, no repairs, and no waiting. If you’re behind on payments, we can:
- Make a fair cash offer within 24 hours
- Close in as little as 7–14 days
- Help you avoid foreclosure and move forward
Let’s Talk Before Things Get Worse
You don’t have to wait for foreclosure to take your home. If you’re behind on payments, let’s find a solution that works for your situation—on your terms.
📞 Call or Text: 434-390-2906