Sell your house fast in Oregon

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Are You Behind On Mortgage Payments?

If you’re behind on mortgage payments in Portland. In this blog post, I’ll go over reasons and solutions.

There are plenty of reasons why homeowners fall behind on mortgage payments. It could be the economic struggles after the pandemic. unemployment, sickness, an accident, or a family tragedy. Unfortunately, these are factors that severely affect the capacity to have a mortgage loan current. And the problem, in addition to the mortgage loan, is the incapacity to pay other obligations, such as property taxes, loan insurance, natural disaster insurance, homeowner associations, and bills.

Stopping mortgage payments and other obligations brings consequences of liens and foreclosure.

Going through a divorce, a health emergency, a business setback, or a situation outside of your control, like the crisis caused by Covid-19, could put anyone in an awful economic position.

Late Payments Consequences.

The consequences of falling behind on mortgage payments don’t wait. Lenders typically wait a few months before sending the debtor a default notice.

If the homeowner doesn’t get current, the lender has the right to file a Foreclosure in the Oregon County court that has jurisdiction over the property.

People usually get behind also on these obligations.

property insurance. Homeowner Association fees.

Personal loans. Refinancing payment obligations.

Employee wages.             Labor or services provided to the property.

Liens on your property.

A Lien against property in Oregon makes it nearly impossible to sell or refinance your property until the debt is paid in full. Levies affect your credit score, decreasing your chance of getting credit cards or car loans, and personal loans. There are many consequences when you decide not to pay the debts.

Property taxes.

Despite being up-to-date on mortgage payments, homeowners may be in debt with property taxes. In Oregon, debtors who are tax delinquent for more than three consecutive years will receive notifications and subsequently face foreclosure.

Your Personal Relationships.

Failing to meet credit obligations puts anyone in a critical state of stress. The person loses self-confidence and mental health, and the relationship with family members, friends, and co-workers suffers in a negative way.

In many marriages, divorce has a cause on the family finances. Children are always the most affected in this situation. In Oregon, the legal term for “Divorce” is “Marriage Dissolution.”

Feeling that family relationships are deteriorating is the same as feeling that you are falling into a deep dark abyss that has no end. It is true that emotionally people feel tied to their house where they share life with their spouse. It is the house where the children grow up surrounded by good friends. 

 Take Action Quickly

If you are behind on mortgage payments, the first thing to do is contact your bank or lender. Lenders have programs to help borrowers with financial problems. Standing still doesn’t help at all. It is best to take action as quickly as possible. 

If your bank doesn’t provide a feasible solution selling your property and keeping debts from growing may be a smart solution. If it is necessary to get out of the problem immediately, the question would be:

Do you need to sell your house quickly? Do you need cash as soon as possible to get back on your feet?

If the answer to these questions is yes, then the next question could be, what is the quickest method to sell your house fast, through the real estate market or off the market?

The option of selling through a realtor involves hiring an agent and fixing the property, including minor or major repairs. Spend time and money. Help schedule, manage home visits, and report the showing up of potential buyers.

In normal market conditions, selling your property through a real estate agent can take 91 to 180 days. Pay agent commissions and closing costs can represent more than 8% of the sale value, money paid by the seller

The other alternative to selling the house quickly is selling it to an investor. We pay cash for houses fast. Selling your property to an Investor such as Better Off Home Buyers means:

  • To receive a fair offer in writing for your property 
  • A guarantee that the deal’s closing will be done quickly and safely.
  • Closing in about seven days.

Compare our home-buying process to selling through an agent.

At Better Off Home Buyers, we buy houses As-Is

At Better Off Home Buyers, we have helped many people that felt behind on mortgage payments. Our purchase process is easy and fast, and the owner receives cash for the sale of his house in a short period of time.

Our home-buying process can be expressed in three steps.

  1. You can contact us by filling out the information form on this website or dialing our phone number directly.
  2. We will visit your house and present you with an offer.
  3. Closing and cash in your hands in about seven days.

Anyone can have a financial problem, but you must take action quickly. The faster you solve the problem, the more opportunities you’ll have to continue having a happy life with your family, friends, and coworkers.

Contact Us!


Hi, I'm Scott Dalinger a real estate investor in Portland, Oregon. I focus on helping homeowners and rental property owners out of negative situations by offering cash for their property. I research and write about real estate on my business website.

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