Modest Iowa bungalow of the kind sold for cash by owners who have fallen behind on mortgage payments.

Behind on Payments

Behind on Your Mortgage? Sell Your House Fast for Cash

Falling behind in Des Moines or anywhere in Iowa? Get a fair cash offer in 24 hours, pay off your balance and back payments, and protect your credit. No repairs, no fees, no showings.

Get a Free Cash Offer on Your Home

Simply fill out the form below:

We use your information only to prepare your cash offer and contact you about it.

  • Pay off your back payments
  • Cash offer in 24 hours
  • Close in as little as 7 days

How We Help

Behind on Your Mortgage in Iowa?

Missing a mortgage payment or two happens fast, and once you're behind it can feel impossible to catch up. The late fees pile on, the calls start, and every month the hole gets a little deeper. Selling your house for cash now lets you pay off what you owe, including the back payments, and walk away clean, before this ever turns into a foreclosure on your credit.

We buy houses all over Des Moines and across Iowa, as-is, in any condition. You don't fix anything, you don't clean, and you don't pay agent fees. If there's equity left after the payoff, that money is yours. The sooner you reach out, the more options you have.

  • Pay off your mortgage balance and any back payments from the sale
  • Get out from under the payment before it becomes a foreclosure
  • Protect your credit while you still have time to act
  • Keep any equity left over after the payoff. That money is yours

How It Works

Three Steps to a Cash Sale

  1. 1

    Tell Us About Your House

    Call or fill out the form. Takes about 2 minutes. Tell us how far behind you are and your timeline. No pressure.

  2. 2

    Get a Fair Cash Offer in 24 Hours

    We look at comparable sales and the home's condition and send a clear, no-obligation cash offer within 24 hours.

  3. 3

    Close When You're Ready

    You pick the closing date. A local Iowa title company pays off your lender and any back payments, and any money left over goes to you.

Common Questions

Behind on Mortgage FAQ

I'm only a couple payments behind, is it too early to sell?

No, this is actually the best time. The earlier you act, the more equity and options you keep. Catching up later usually costs far more in fees and stress.

Will selling now hurt my credit?

Selling and paying off your loan is much easier on your credit than letting the missed payments stack up into a foreclosure. Acting early is what protects you.

Can the sale cover my back payments?

Usually, yes. At closing the proceeds pay off your balance plus any back payments and late fees. If there's money left over, it goes to you.

How fast can you close?

Usually 7 to 15 days, and faster if you need it. We close through a local Iowa title company that handles all the paperwork.

Do I need to fix up or clean the house first?

No. We buy as-is. Take what you want and leave the rest, no repairs, no cleaning, no showings.

What does it cost me?

Nothing. There are no agent commissions or fees, and we cover the standard closing costs. Your mortgage and back payments are paid from the proceeds.

Where We Buy

We Buy Houses Across Iowa

From Des Moines to the Quad Cities and the Cedar Valley, see your city below, or submit your property and we’ll respond within 24 hours.

Related Situations

Other Situations We Handle

Don’t Wait

Get a Cash Offer Before It Gets Worse

The longer you wait, the harder it gets. Submit your property and we’ll send a no-obligation cash offer within 24 hours. Zero pressure.

Get a Free Cash Offer on Your Home

Simply fill out the form below:

We use your information only to prepare your cash offer and contact you about it.

CallGet Offer