Tampa Bay · Behind on Payments or Facing Foreclosure

Behind on your mortgage payments? You may still have options — and time.

Missed payments, a notice of default, a lis pendens already filed, or an auction date already set with the county — whichever stage you're at, it can feel like the walls are closing in. A cash sale can move faster than the foreclosure timeline in many cases, which can mean walking away with equity instead of losing it. Talk to us before you assume it's too late.

Get My Cash Offer → 📞 (813) 610-6460
✓ No obligation ✓ Fast, as-is close possible

Behind on mortgage payments, a notice of default, or a lis pendens filed? Get a cash offer before the sale date

Confidential, and there is no obligation. Whether it's a missed payment, a notice of default, a lis pendens already filed, or a sale date already set with the county — tell us where things stand and we'll reach out the same day where we can.

By submitting you agree we may contact you about your property by phone or email. We do not sell, rent, or trade your personal information.

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📅 Book a call with our acquisitions team
Choose any time that suits you. No obligation, and no pressure to decide on the call.

If you're behind on payments or taxes

  • A few missed mortgage payments, before anything is filed
  • A notice of default or lis pendens already recorded
  • A sale date scheduled with the county clerk
  • Delinquent property taxes stacking up separately from the mortgage — if taxes are the problem rather than the mortgage, see selling a house with back taxes owed
  • A second mortgage, HELOC, or lien making a traditional sale harder to close

We are not attorneys and this is not legal or credit advice — if you're already in the foreclosure process, we'd encourage you to also talk to a HUD-approved housing counselor or an attorney about your specific deadlines. What we can do is move on our end quickly: a cash offer with no financing contingency, no repairs, and a closing date that can sometimes beat a scheduled sale.

Why speed matters here more than anywhere else

Every foreclosure timeline is different, but the earlier you reach out, the more options are usually still on the table — a short sale, a deed in lieu, or simply selling for cash before a sale date is set. Waiting rarely helps. A phone call costs nothing and starts the clock in your favor instead of the bank's.

What we do not ask you to do

  • No repairs, no roof, no permits, no contractor quotes
  • No cleaning out — leave anything you do not want
  • No agent commissions and no listing fees
  • No showings, open houses, or strangers walking through
  • No waiting on a buyer's mortgage approval or appraisal

Areas we buy in

Tampa · St. Petersburg · Clearwater · Brandon · Lakeland · Bradenton and the surrounding Tampa Bay area

Good Questions

Frequently asked

Can I still sell my house if it's already in foreclosure in Florida?
Usually yes, up until the sale is actually confirmed by the court. A missed payment, a notice of default, a lis pendens already filed, or even a scheduled auction date each leave different amounts of time — the earlier you reach out, the more options are typically still open.
Will selling my house stop the foreclosure?
Selling before the sale date and paying off the mortgage at closing ends the foreclosure, because the debt it was filed over no longer exists. It does not erase a foreclosure that has already been recorded, but it stops it from proceeding to a forced sale.
What if a sale date has already been set with the county?
Talk to us as soon as possible — a cash sale with no financing contingency can sometimes close faster than a scheduled auction. We are not attorneys, so we'd also encourage you to speak with a HUD-approved housing counselor or an attorney about your specific deadline.
Do I need to make repairs before selling to stop foreclosure?
No. We buy the property as-is and handle repairs after closing. You also don't need to clean the house out — take what you want and leave the rest.
I'm behind on mortgage payments but nothing has been filed yet — is it too early to reach out?
No — that's actually the best time. Before a notice of default or a sale date exists, you typically have the most options and the least time pressure. Reaching out early costs nothing and does not commit you to anything.