Yes. Being behind does not stop a sale. Golden Path Homes buys houses with missed payments by taking over the existing mortgage, and the arrears are handled before or at closing, either brought current through the title company or moved into a separate partial claim approved by your servicer.
Because a listed sale has to pay off the whole loan, including the missed payments, late fees and any foreclosure attorney fees, and it has to close before the sale date. Agent commissions and closing costs come out first. When the numbers do not clear, or the house cannot sell in time, sellers end up watching the clock with no way out.
We buy the house subject to your existing mortgage. At a title company closing, the deed transfers to us and the missed payments are either brought current through the title company or already rolled into a partial claim your servicer approved. From then on we make the monthly payment through a third-party loan servicer. In one Harris County sale, the homeowner's FHA servicer moved a year of missed payments into a zero-interest partial claim, the monthly payment stayed exactly the same, and the loan was current again. How to avoid foreclosure in Texas covers the timeline.
As much as you can give it. We can close in as little as 14 days, but a servicer review for a partial claim or modification takes longer, so the earlier you call, the more options stay open. Nobody can promise a foreclosure sale will be stopped; what we can do is show you every path while there is still time. The loan stays in your name until it is paid off or refinanced, which is why every payment is on record. Start at our sell page.
Tell our team about the house and the loan. No commissions, no repairs, and a closing in as little as 14 days.
Payments already missed stay on the report. Once the loan is current and paid on time, no new late marks are added.
Call right away. Some paths still work close to the date, but each day removes options.
No. We buy as is.