Sell before foreclosure starts — close fast, walk away with cash.
Behind on Mortgage Payments?
If you're a couple months behind and the calls from the lender are getting louder, you can still get out cleanly. We'll buy fast, pay off the loan, and you're done.
When you call, you talk to Brayden, not a call center.
Rather talk it through? Call (573) 615-8995
Get My Cash Offer
Free, no obligation. Takes about 60 seconds.
- Step 2 of 4: Condition
- Step 3 of 4: Timeline
- Step 4 of 4: Contact
It's stressful — but you've still got options.
Falling behind on a mortgage is one of the more isolating financial problems out there. People don't talk about it. The bank stops being friendly. You start dodging the mailbox. And once it's been three months, you're hearing the word "default" on every voicemail.
Here's the thing: as long as the bank hasn't started a formal foreclosure, you've got room to act. Sell the house, pay off the loan, keep whatever equity you've built, move on. We've helped a lot of Columbia sellers get there before the situation got worse.
What you get when you sell to me
- Pay off the loan before default escalates
- Keep equity that would otherwise vanish
- Close in 7 days, your timeline after
- No realtor fees, no junk closing costs
- Stop the calls, the letters, the stress
Questions sellers ask
How far behind is too far?
There's no hard line, but the further you are, the less time you have. If a foreclosure has been formally filed, we can probably still help — see our foreclosure page. If you're 1–3 months behind, you've got time.
Will my offer cover the back payments and the loan?
If there's enough equity, yes. We pay off the lender directly at closing — that includes principal, back payments, late fees, and any escrow shortage. What's left goes to you. If you're underwater, that's a different conversation.
Should I keep talking to the lender?
Yes. Always answer the lender. Tell them you're working on selling — they'll often pause aggressive collection if they see a real plan. Don't lie, just be straight.
Will this hurt my credit?
A sale that pays off the loan in full doesn't hurt your credit nearly as much as continued late payments or a foreclosure. Talk to a credit counselor if it's a major concern, but the math usually favors selling.
What if I want to keep the house?
Talk to your lender about loan modification or forbearance first — that's their team. We're only the right call if you've decided selling is the move.
Something else on your mind? Call (573) 615-8995. When you call, you talk to Brayden, not a call center.
How selling your house to me works
- 1
Tell me about the house
Fill out the form or give me a call. A few quick questions about the property and your timeline. About five minutes.
- 2
Get a fair cash offer
I pull recent mid-Missouri sales, factor in the condition, and send you a no-obligation offer within 24 hours. I'll show you how I got the number.
- 3
Close on the date you pick
Accept and pick your closing date, in as little as 7 days or whenever fits your life. A local title company handles the paperwork and you're paid at closing.
What sellers say
Rated 5.0 stars across 20 Google reviews from Columbia and mid-Missouri sellers. These are their words, unedited.
“My Mom passed away a couple of years ago, leaving me her house in Columbia. We live in another state and with jobs/kids, we hadn't had much time to travel to Columbia and work on getting it sold. Not only was it stressful to be juggling that — Brayden took the whole thing off our plate.”
Troy EasterdayGoogle review, a month ago “Brayden was great when it came to selling my parents house. It was such an emotional time but he made sure we got what we could from the purchase. Thank you.”
Mary HolleyGoogle review, 4 months ago “Brayden was great to work with! Very professional & friendly and did everything he said he was going to do! He bought one of my properties and closed quickly, all cash — very smooth transaction!”
John LohmannGoogle review, a year ago
Not exactly your situation?
I help with these too.
Ready for a no-pressure cash offer?
Fill out the form or give me a call. No pressure, no obligation, and no cost to find out what your house is worth in cash.