FAQ

Can I sell if I am behind on mortgage payments?

A cash sale may help some homeowners facing mortgage pressure or foreclosure timelines, depending on equity, liens, and deadline.

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Timing matters, so early review is important.

Foreclosure timelines move forward whether or not a sale is in progress. Reviewing your options early leaves more choices open, including a sale, a loan modification or other help from your lender.

Payoff, liens, taxes, HOA balances, and closing costs should be checked.

Your net depends on the loan payoff, any second mortgages or liens, back taxes, HOA balances and closing costs. If those add up to more than a buyer will pay, a standard cash sale may not work and other options should be reviewed.

The team can compare cash sale, listing, short sale, and default-solution paths.

Depending on your equity and timeline, the right path might be a cash sale, a traditional listing, a short sale or a default-solution option through KW Default Solutions. We'll compare them with you before you decide.

Quick answer

Yes, many homeowners who are behind on payments can still sell, and a cash sale may help if there is enough equity to cover the payoff and costs. Act early, and also contact your lender or a HUD-approved housing counselor about your options.