Behind on payments?
Behind on House Payments? Selling Before Foreclosure May Help
» No Repairs. No Fees. We Pay the Closing Costs.
WE WANT TO MAKE YOU A CASH OFFER ON YOUR HOUSE!
Falling behind on a mortgage is stressful, and the letters only make it worse. If you’ve decided selling is the right move, or you want to know whether it could be, we can help. We’re a local, family-owned company that buys houses for cash in Spokane, Coeur d’Alene and the Tri-Cities. A fast sale that closes before the foreclosure sale and pays off the loan can protect the equity you’ve built.
Prefer to talk? Call (509) 461-9079.
In business since 2019 · Over 500 deals · Both owners born and raised in the Inland Northwest
Who this is for
- You’ve missed payments and received a notice from your lender or a trustee.
- You have a trustee’s sale date and need to know if a sale can happen in time.
- A job change, medical bills or a divorce made the payment hard to keep up with.
- The house needs repairs you can’t afford, which makes listing it harder.
How we help
We’ll usually make you a fair, all-cash offer within 24 hours, and we can close in as little as 7 days, depending on title. Because there’s no buyer’s loan to wait on, there’s less risk of a sale falling apart at the last minute. We buy as-is, with no repairs, no fees and no commissions, and we pay the closing costs.
If you need a little time after closing, ask about a rent-back. You can stay in the house after the sale and pay rent while you find your next place.
We’ll also be honest with you. Selling isn’t the only option. Some homeowners can catch up, set up a payment plan or get a loan modification. A HUD-approved housing counselor can walk you through those options for free, and we’d encourage you to talk with one.
How it works in 3 steps
- Tell us your dates. Fill out the form or call, and let us know about the house and any sale date on your notices.
- Get a fair cash offer. We look at the house and recent sales nearby and usually make an offer within 24 hours. No obligation.
- Close before the sale date. The title company gets the payoff from your lender, the loan is paid at closing, and anything left over goes to you.
See how it works for the full process.
Selling to us vs. listing when you’re behind
| Selling to Backyard Home Buyers | Listing with an agent | |
|---|---|---|
| Time to close | As little as 7 days | Time on market, plus the buyer’s loan process |
| Repairs | None, we buy as-is | Often needed before buyers will offer |
| Risk of missing the sale date | Lower. Cash, no lender approval | Higher if a buyer’s loan or inspection falls through |
| Commissions and fees | None. We pay the closing costs | Commission, plus the seller usually pays some closing costs |
| Price | A fair cash price for the house as it is | Often higher if there’s enough time |
If you have several months before any sale date and the house is in good shape, listing may net more. When time is short, speed and certainty matter most.
Washington and Idaho notes (general, not legal advice)
In both Washington and Idaho, most home foreclosures go through a trustee’s sale after a series of required notices, so there is usually some time between the first notice and the sale date. Washington also has a foreclosure mediation program that many homeowners can use, usually through a housing counselor or attorney. Deadlines and options are different in each case. Confirm your dates with your lender, and confirm with your title company or attorney what applies to you.
Where we buy
We buy houses facing foreclosure throughout Spokane and Spokane County, Coeur d’Alene and Kootenai County, and the Tri-Cities.
★★★★★
“Highly recommended! Cody and his team made the process as simple as possible and communicated with me every step of the way. Even with an unforeseen issue on my end, Cody reassured me that he would give me the time needed to correct the issue. Him and the team at the Title Company kept everything on track and we closed early!”
— Anthony Simmons, Google review
Foreclosure FAQs
Can selling my house stop a foreclosure?
If the sale closes before the trustee’s sale and pays off what’s owed, it usually ends the foreclosure. Confirm your sale date with your lender, and confirm with your title company or attorney.
Do I need to be caught up on payments to sell?
No. The missed payments and the rest of the loan are usually paid off from the sale at closing. The title company handles the payoff with your lender.
How fast can you buy my house?
We usually make an offer within 24 hours and can close in as little as 7 days, depending on title.
My sale date is close. Is it too late?
Call us as soon as you can at (509) 461-9079. Whether a sale can close in time depends on your date and on title. An attorney or housing counselor can also tell you what other options you have.
Can I stay in the house after you buy it?
Often, yes. Ask about a rent-back, where you stay after closing and pay rent until you move.
Let’s look at your options
You don’t have to figure this out alone. Fill out the form or call (509) 461-9079. We’ll go over your timeline and usually have a fair cash offer to you within 24 hours, with no obligation.