We Buy Houses in Roseburg, Oregon

“They went out of their way to make sure I was happy with the deal and they assisted in any way they could to make the process easier…”

Mathew Mexicotte

Homeowners behind on mortgage payments have several options to deal with that problem.

A repayment plan. A mortgage forbearance plan. A loan modification or selling the house as quickly as possible.

On the other hand, if you are a landlord whose tenants are affected by the pandemic hardship, and they cannot pay rent, there is no doubt that you are in a difficult situation. According to a Black Night data report issued in March 2021, more than 3 million homeowners defaulted in February 2021. 

Experts believe that after the forbearance and moratorium programs get lifted. A cascade of foreclosures and abandoned properties will be imminent.

Homeowners behind mortgage payments are encouraged to take action before it is too late.

There is plenty of information on the Oregon government website to help you avoid foreclosure. Included are the Oregon Foreclosure Prevention Program.

and tips on contacting your servicer to request a repayment program.

Roseburg homeowners in default should immediately seek the best solution in their particular situation. For some people, leaving the property and resigning themselves to facing foreclosure may be an option.

This decision will bring emotional and financial setbacks in most cases. People in default or facing foreclosure may consider selling the property to minimize damages.

Selling Your Roseburg House to Avoid Foreclosure

A foreclosure is a blemish on your credit report that would last a minimum of 7 years. It is much better to have some late payments rather than a court judgment on your credit score. People who have late home loan payments and sell their properties can immediately begin rebuilding their credit history. A foreclosure closes many doors and opportunities. That is something we all need to consider before defaulting on a home loan.

Is it quicker and more dollars convenient to sell a defaulted property through a real estate agent or to an investor as Better Off Home Buyers?

Let’s compare:

ActivitySelling w/ An AgentSOLD To Better Off House Buyers
Inspection & Financing Contingency*:Yes, sales can fall throughNONE
Appraisal Needed:Yes, the sale is often subject to appraisal – Seller pays the feesNONE – We make cash offers
Average Days Until Sold:+/- 91 DaysIMMEDIATE CASH OFFER
Number of Showings:On average, 20 showings1 (Just Us)
Who Pays For Repairs?:Typically, The Seller. However, that could be negotiated during the Inspection PeriodNONE – We pay for all repairs
Commissions / Fees:You, the seller, pay 6% on averageNONE
Closing Costs?:You, the seller, pay 2-5% on averageNONE – We pay all costs
Closing Date:30-60 +/- days after accepting buyers offerThe Date Of YOUR CHOICE

The home median price in Roseburg, Oregon, is $325,000. The market price had increased by 26% compared to the last year. Meaning, the average equity is about 40% of the house value.

A homeowner who goes into foreclosure may be losing a lot more than his credit score. Just the equity amount of a median house in Roseburg could go over $50,000, plus the legal fees and federal taxes. That is a lot of money. Additionally, you will have the hassle of moving your family to another neighborhood, a new school district, and many more inconveniences.

Banks and lenders are aware that millions of homeowners and small landlords are going through difficult times. They are like predators waiting for their prey; behind the bushes, ready to deal a death blow. They just want your home equity!

In general, real estate agents do not work with homeowners who are in default. They turn away homeowners who are struggling financially and can’t afford to spend money on renovations.

Real estate agents assume that if a homeowner is behind on their mortgage payments, they would not have the means to make the necessary repairs or adjustments to beautify the property they will sell.

They know that potential buyers are impressed at first glance. If a property does not meet the agent’s requirements will be rejected immediately.

Investors like Better Off Home Buyers specialize in purchasing properties AS-IS. You will save time and money by selling your property to us.

Many homeowners already took the time to compare what is selling a house using an agent vs. selling it to us. They found that our process is transparent, easy to understand, and gives them the needed peace of mind.

Forbearance is an agreement between the debtor and the lender to delay a foreclosure.

It is a temporary reduction or suspension of your monthly payments to help you get through a difficult time. Forbearance is not forgiveness. You will have to repay any missed or reduced loan payments through one of the many options. 

The program is available to homeowners with mortgages from federally backed businesses like Fannie Mae, Freddie Mac, HUD, FHA loans, and VA.

Through the mortgage forbearance plan, you are entitled to a 180-day break to pay your mortgage. 

This program is called mortgage forbearance or mortgage relief. Your mortgage servicer (the company you send your monthly payments to) can inform you if the federal government backs your loan.

What To Do At The End Of Forbearance

When the mortgage forbearance end, borrowers should pay back the missed and regular monthly mortgage payments.  Debtors can choose one of the following:

  • Slump sum (pay the total amount due at once.) 
  • Reinstate. At the end of the mortgage forbearance period. Borrowers repay the forbearance amount over the next 12 months (in addition to your regular monthly payments.)
  • The deferred payments plan allows adding missed payments to the end of the Mortgage loan. (Borrower must qualify.)
  • Modify your loan (permanently change some of the terms to make payments affordable.)

June 30, 2021, is the deadline to apply for home loan forbearance relief. After this date, the loan servicers have the green light to reopen or initiate foreclosure proceedings. After the first mortgage forbearance reaches 180 days, borrowers must restart their home loan payments plus the due payment period. 

The Mortgage Bankers Association (MBA) estimates that 1.7 million homeowners are in forbearance plans today. 

From July 26 through August 1, 15.07% of this number represented borrowers who did not make monthly payments and exited forbearance without a loss mitigation plan. Abandonment rates increased from 3.4% to 3.6% in the same period.

On the other hand, 30% of single-family mortgages, or roughly 14.5 million loans nationwide, are not backed or owned by a federal agency and are not covered by the federal moratorium. According to a report from the National Housing Law Project.

Close to two million loans in forbearance sound a few compared with almost 30 million home loans nationwide. 

If you are under a Mortgage forbearance plan that is about to end, contact your loan servicer right away. Negotiate with your lender to avoid going into foreclosure. Some lenders may be able to work with you. At the end of the day, they do not want to end with extensive house inventory.

If you think that your way out is by selling your house, contact us by filling the format on this page or dialing our phone number directly.

How Better Off Home Buyers Buys Your House

First, You communicate with us.

As soon as we receive your information or phone call, we will get back to you. 

We’ll talk about your property’s conditions and characteristics. We’ll arrange an appointment to see the house physically.

We, Will, Meet You at Your Property on The Day Of The Appointment.

Together we will walk to your house and take note of its conditions. You don’t have to worry about repairs or damages on it, missed payments, forbearance plans, or pre-foreclosure situations. We cover all of that. 

After finishing the walk, we may present you with a cash offer for the house.

You are not required to accept our proposal immediately. When it seems appropriate for you, we will sign the contract for the purchase of your home.

We will close the purchase of your house when you decide.

It is that easy, we will work according to your schedule, and we will take care of the details and paperwork of the purchase. After the respective contract signatures, you will receive cash for your Roseburg house.

Are You Selling Your Roseburg Home? 

We’ll buy it. We pay cash. We close in 7 days. It doesn’t matter if you are facing foreclosure or going through a legal process for being behind on mortgage payments; we can make a win-win offer for your house.

We buy properties in Roseburg, Oregon. We provide a comprehensive service to Roseburg homeowners. Our process is quick, easy, transparent, and we pay in cash. Contact us.

Selling Your Roseburg House to Avoid Foreclosure

A foreclosure is a blemish on your credit report that would last a minimum of 7 years. It is much better to have some late payments rather than a court judgment on your credit score.

People who have late home loan payments and sell their properties can immediately begin rebuilding their credit history.

A foreclosure closes many doors and opportunities. That is something we all need to consider before defaulting on a home loan.


Is it quicker and more dollars convenient to sell a defaulted property through a real estate agent or to an investor as Better Off Home Buyers?

Let’s compare:

ActivitySelling w/ An AgentSOLD To Better Off House Buyers
Inspection & Financing Contingency*:Yes, sales can fall throughNONE
Appraisal Needed:Yes, the sale is often subject to appraisal – Seller pays the feesNONE – We make cash offers
Average Days Until Sold:+/- 91 DaysIMMEDIATE CASH OFFER
Number of Showings:On average, 20 showings1 (Just Us)
Who Pays For Repairs?:Typically, The Seller. However, that could be negotiated during the Inspection PeriodNONE – We pay for all repairs
Commissions / Fees:You, the seller, pay 6% on averageNONE
Closing Costs?:You, the seller, pay 2-5% on averageNONE – We pay all costs
Closing Date:30-60 +/- days after accepting buyers offerThe Date Of YOUR CHOICE

The home median price in Roseburg, Oregon, is $325,000. The market price had increased by 26% compared to the last year. Meaning, the average equity is about 40% of the house value.

A homeowner who goes into foreclosure may be losing a lot more than his credit score. Just the equity amount of a median house in Roseburg could go over $50,000, plus the legal fees and federal taxes.

That is a lot of money. Additionally, you will have the hassle of moving your family to another neighborhood, a new school district, and many more inconveniences.

Banks and lenders are aware that millions of homeowners and small landlords are going through difficult times. They are like predators waiting for their prey; behind the bushes, ready to deal a death blow. They just want your home equity!

In general, real estate agents do not work with homeowners who are in default. They turn away homeowners who are struggling financially and can’t afford to spend money on renovations.

Real estate agents assume that if a homeowner is behind on their mortgage payments, they would not have the means to make the necessary repairs or adjustments to beautify the property they will sell.

They know that potential buyers are impressed at first glance. If a property does not meet the agent’s requirements will be rejected immediately.

Investors like Better Off Home Buyers specialize in purchasing properties AS-IS. You will save time and money by selling your property to us. Many homeowners already took the time to compare what is selling a house using an agent vs. selling it to us. They found that our process is transparent, easy to understand, and gives them the needed peace of mind.

What To Do At The End Of Forbearance

Forbearance is an agreement between the debtor and the lender to delay a foreclosure. It is a temporary reduction or suspension of your monthly payments to help you get through a difficult time. Forbearance is not forgiveness. You will have to repay any missed or reduced loan payments through one of the many options. 

The program is available to homeowners with mortgages from federally backed businesses like Fannie Mae, Freddie Mac, HUD, FHA loans, and VA.

Through the mortgage forbearance plan, you are entitled to a 180-day break to pay your mortgage. 

This program is called mortgage forbearance or mortgage relief. Your mortgage servicer (the company you send your monthly payments to) can inform you if the federal government backs your loan.

When the mortgage forbearance end, borrowers should pay back the missed and regular monthly mortgage payments.  Debtors can choose one of the following:

  • Slump sum (pay the total amount due at once.) 
  • Reinstate. At the end of the mortgage forbearance period. Borrowers repay the forbearance amount over the next 12 months (in addition to your regular monthly payments.)
  • The deferred payments plan allows adding missed payments to the end of the Mortgage loan. (Borrower must qualify.)
  • Modify your loan (permanently change some of the terms to make payments affordable.)

June 30, 2021, is the deadline to apply for home loan forbearance relief. After this date, the loan servicers have the green light to reopen or initiate foreclosure proceedings. After the first mortgage forbearance reaches 180 days, borrowers must restart their home loan payments plus the due payment period. 

The Mortgage Bankers Association (MBA) estimates that 1.7 million homeowners are in forbearance plans today. 

From July 26 through August 1, 15.07% of this number represented borrowers who did not make monthly payments and exited forbearance without a loss mitigation plan.

Abandonment rates increased from 3.4% to 3.6% in the same period.

On the other hand, 30% of single-family mortgages, or roughly 14.5 million loans nationwide, are not backed or owned by a federal agency and are not covered by the federal moratorium. According to a report from the National Housing Law Project.

Close to two million loans in forbearance sound a few compared with almost 30 million home loans nationwide. 

If you are under a Mortgage forbearance plan that is about to end, contact your loan servicer right away.

Negotiate with your lender to avoid going into foreclosure. Some lenders may be able to work with you. At the end of the day, they do not want to end with extensive house inventory.

If you think that your way out is by selling your house, contact us by filling the format on this page or dialing our phone number directly.

How Better Off Home Buyers Buys Your House

First, You communicate with us.

As soon as we receive your information or phone call, we will get back to you. 

We’ll talk about your property’s conditions and characteristics. We’ll arrange an appointment to see the house physically.

We, Will, Meet You at Your Property on The Day Of The Appointment.

Together we will walk to your house and take note of its conditions. You don’t have to worry about repairs or damages on it, missed payments, forbearance plans, or pre-foreclosure situations. We cover all of that. 

After finishing the walk, we may present you with a cash offer for the house.

You are not required to accept our proposal immediately. When it seems appropriate for you, we will sign the contract for the purchase of your home.

We will close the purchase of your house when you decide.

It is that easy, we will work according to your schedule, and we will take care of the details and paperwork of the purchase. After the respective contract signatures, you will receive cash for your Roseburg house.

Are You Selling Your Roseburg Home? 

We’ll buy it. We pay cash. We close in 7 days. It doesn’t matter if you are facing foreclosure or going through a legal process for being behind on mortgage payments; we can make a win-win offer for your house.

We buy properties in Roseburg, Oregon. We provide a comprehensive service to Roseburg homeowners. Our process is quick, easy, transparent, and we pay in cash. Contact us.

We’ll buy it. We pay cash. We close in 7 days. It doesn’t matter if you are facing foreclosure or going through a legal process for being behind on mortgage payments; we can make a win-win offer for your house.

We buy properties in Roseburg, Oregon. We provide a comprehensive service to Roseburg homeowners. Our process is quick, easy, transparent, and we pay in cash. Contact us.

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