If you are behind on your mortgage or holding a notice of trustee sale, you still have choices. One of them is selling the house for cash, paying off the loan through title, and walking away before the auction with any equity that is left.
We buy houses, so of course we will mention selling. But plenty of Phoenix homeowners keep their homes by working something out with the lender, and you deserve to hear every option before you pick one. We are not attorneys and nothing here is legal advice. If you have questions about your rights, talk to an Arizona real estate attorney.
See how our cash sale process worksAsk your servicer about a repayment plan, forbearance or a loan modification. Do it early, and get every answer in writing.
HUD-approved housing counselors can review your situation and help you talk to the lender, usually for free or at low cost.
Arizona generally lets you catch up the missed payments plus fees and costs before the sale and keep the loan in place. Ask your lender for the exact reinstatement figure.
A sale pays off the loan at closing and stops the trustee sale. Listing works if time allows. A cash sale works when it does not.
Most people wait too long because the letters are hard to open. The earlier you know your numbers, the more choices you keep, including whether there is equity worth protecting. If any of these sound familiar, a short call costs you nothing.
Most Arizona home loans use a deed of trust, which means the lender can foreclose through a non-judicial trustee sale without going to court. That makes the process faster than many people expect. The good news is that a cash sale moves faster still.
Every week you wait is a week less to compare options, gather paperwork and let title do its work. Send us the sale date today and we will tell you, in plain numbers, whether a cash sale beats the alternatives.
Send us your sale dateStraight answers, with one reminder: we are the buyer, not your attorney. For legal questions about your loan or your rights, talk to an Arizona attorney or a HUD-approved housing counselor.
Read all our answersYes. You own the house until the trustee sale happens. A sale that closes before the sale date pays off the loan through escrow, and the trustee sale is cancelled.
Most Arizona loans use a deed of trust and a non-judicial trustee sale. The sale cannot take place until at least 90 days after the notice of trustee sale is recorded. Your notice lists the scheduled date.
Then a straight cash sale may not cover the payoff. Your lender might approve a short sale, and a housing counselor or attorney can explain what that means for you. We will be honest if our numbers do not work.
No. There is no commission and no fee, and you never pay us anything. The loan payoff and any liens are paid from the sale at closing through the title company.
In most cases, yes. Many sellers stay on as tenants for a while so they can plan the move without a moving truck and a deadline on the same day.
Call Kim, share your sale date and get a written cash offer with the payoff math shown. No fees, no repairs, and no obligation to say yes.
