Question 1

How many payments behind triggers foreclosure?

Accepted Answer

In Idaho, lenders typically start foreclosure proceedings after 3-4 missed payments (90-120 days). However, you don't want to wait until you receive a Notice of Default. The earlier you contact us, the better your options.

Question 2

Will selling save my credit score?

Accepted Answer

Selling before foreclosure significantly protects your credit. While late payments will still appear, a foreclosure drops your score 100-150+ points and stays for 7 years. Selling shows a normal sale, allowing faster credit recovery.

Question 3

What if I can eventually catch up on payments?

Accepted Answer

If you have a plan to catch up, pursue that first. We're here for situations where catching up isn't realistic. If you're uncertain, getting a no-obligation cash offer gives you information to help decide.

Question 4

How much will I receive after paying off the mortgage?

Accepted Answer

It depends on your equity. Our offer minus your mortgage payoff (including arrears, fees, and penalties) equals your cash at closing. Even modest equity can mean a few thousand dollars to help you start fresh.

Question 5

Do I have to tell my lender I'm selling?

Accepted Answer

Not immediately, but they'll learn when we request a payoff. We handle all lender communication as part of the process. Many lenders prefer a sale over the costs of foreclosure.

Question 6

What if I'm underwater on my mortgage?

Accepted Answer

If you owe more than the home is worth, we may be able to negotiate a short sale with your lender. Banks often accept less than the full amount to avoid foreclosure costs. We handle the negotiation.

Question 7

Is this process confidential?

Accepted Answer

Yes. There's no 'For Sale' sign, no public listing, no neighbors knowing your situation. The sale is a private transaction. Protect your privacy during a difficult financial time.

Question 8

How fast can you close if I'm behind on payments?

Accepted Answer

We can close in 7-14 days in most cases. The urgency depends on how close you are to foreclosure. If you've received notices, we move as fast as possible. Earlier contact means more flexibility.

	Traditional ListingTraditional	Cash Offer from UsCash Offer
Timeline to Close	60-90+ days	7-14 days
Repairs Required	Usually required	None - sell as-is
Agent Commissions	5-6% of sale price	$0
Closing Costs	2-3% typically	We pay them
Showings/Open Houses	Many required	None
Certainty of Sale	Deals fall through	Guaranteed close
Appraisal Contingency	Yes	No
Financing Fall-Through Risk	High	Zero - we pay cash

Behind on Payments? Sell Fast

About Behind on Mortgage Payments

Why Choose Home Buyer Boise

Common Situations We Help With

Few Months Behind

Job Loss

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Can't Catch Up

How to Behind on Mortgage Payments in 4 Simple Steps

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Property Visit

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Cash Offer vs. Traditional Listing

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Behind on Mortgage Payments in the Treasure Valley

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Sell As-Is

Inherited Property

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