💸 What to Do If You’re Behind on Mortgage Payments
Selling May Be the Lifeline You Didn’t Know You Had
Falling behind on your mortgage doesn’t just impact your wallet — it affects your peace of mind, your credit, and your future.
If you’re past due and the pressure is rising, don’t panic. You may still have options to sell your home, protect your equity, and avoid foreclosure.
🚩 What Happens When You Fall Behind?
Once you’re 30+ days late, things can move quickly:
- Late notices or default warnings
- Fees, penalties, and interest stacking up
- Credit score damage
- Foreclosure proceedings after 90 days
⚠️ If you wait too long, you may lose the ability to sell before the house is auctioned.
🧠 Should You Try to Catch Up?
That depends on:
- Your income and savings
- How far behind you are
- Whether the home is still affordable
If you’re months behind and can’t realistically catch up, it may be smarter to sell now — before foreclosure damages your credit and drains your equity.
🏠 Can You Sell a House in Pre-Foreclosure?
Yes — and you can usually sell up until the auction date.
In many cases, a fast cash sale gives you the best shot at:
- Paying off the mortgage balance in full
- Avoiding a foreclosure on your record
- Walking away with money instead of debt
Even if you owe more than the house is worth, we don’t always recommend a short sale — ask us about our Equity Protection Program!
💡 Why a Cash Buyer Helps
Traditional sales take time — and time is the one thing you may not have. A cash buyer can:
- Close in as little as 7 days
- Pay off your loan balance directly
- Handle all paperwork and title coordination
- Stop the foreclosure clock before it’s too late
You don’t need perfect credit or repairs — just a plan and a trusted buyer.
🧾 Will Selling Hurt My Credit?
Not the way foreclosure does. Selling before foreclosure may help you:
- Minimize credit damage
- Rebuild faster
- Qualify for future housing more quickly
✅ Your Best-Case Outcome
- Your loan is paid off in full
- You avoid foreclosure and legal issues
- You keep whatever equity is left after closing
- You move forward with dignity and financial stability
🧠 Final Thoughts
Being behind doesn’t mean it’s over.
If you’re falling behind on your mortgage in Texas, a quick sale could give you a fresh start.
Don’t let the bank decide what happens next — take control of your exit.
🏡 We Help Homeowners Behind on Payments
At Sell My House Texas, we help people sell fast — even if they’re already in default or under threat of foreclosure.
📞 Call us today at (214) 471-6720
📩 Or click here to request your free, no-obligation cash offer
👉 Want to explore other urgent situations? Read our full guide: 9 Common Reasons Homeowners Need to Sell Fast