Who We Help
Behind on Your Mortgage Payments
Falling behind on your mortgage is stressful, but you have options. We can buy your house fast and help you get back on solid ground. We can usually make an offer within an hour of speaking with you, often while we're still on the phone, and close in as little as 7 days, or on the date you choose. No cost, no obligation, no pressure.
What's going on
Falling behind on your mortgage payments is one of the most stressful things a homeowner can go through. The letters start arriving, the phone calls come, and it can feel like there's no way out. But you do have options, and the earlier you act, the more of them there tend to be.
This page is general information, not legal or financial advice. Please speak with your lender and a lawyer or licensed insolvency trustee about your specific situation. Here's how a direct sale might fit.
Your options
Selling to us is only one path. Here are the options most homeowners consider in this situation.
Talk to your lender early
Lenders would usually rather work with you than force a sale. Ask about a payment deferral, a skip-a-payment option, or adding the missed payments to the end of the mortgage. The earlier you call, the more flexible they tend to be.
Refinance or consolidate
If you have enough equity, refinancing or consolidating other debts into your mortgage can lower your monthly costs. A mortgage broker can help you see what's possible.
Sell the house
If the payments simply aren't sustainable, selling may be the calmer path. A direct sale to us can close in as little as 7 days, or on the date you choose, and you walk away with no further mortgage payments.
How we can help
- We can buy your house as-is — no repairs, no cleaning, no showings.
- We can close in as little as 7 days, or on the date you choose, which can matter a lot when you're behind.
- There's no cost and no obligation to get an offer, so you can weigh it against your other options.
- We'll be honest if we think working with your lender or a professional is the better first step for you.
Frequently asked questions
Other situations we help with
Facing Power of Sale
If your lender has started power of sale, time is short. We can often move quickly — and we'll be honest about whether selling to us is right for you.
Mortgage Renewal Trouble
If your renewal is coming in at a much higher rate and the new payment doesn't work, selling before it bites may be the calmer path.
Debt / Consumer Proposal / Bankruptcy
If debt has become unmanageable, selling your house may be part of the solution. We'll be honest and suggest you speak to a licensed trustee too.
Skip the showings — get my offer
Ready to skip the showings?
Tell us about your house and get a no-obligation offer. We can usually make an offer within an hour of speaking with you, often while we're still on the phone.