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    Financial distress & debt

    Behind on your mortgage? Get ahead of it now

    Three missed payments feels like the end of the world. It isn't — and selling early usually leaves you with more options and more equity.

    • No repairs
    • No fees or commission
    • Close in as little as 7 days
    • No obligation

    Quick answer

    SilverCrest Estates buys houses for cash from homeowners who are behind on their mortgage, paying off the full loan balance and arrears at closing so the account is settled before it reaches foreclosure.

    Is this you?

    This page is for you if…

    • You've missed one or more mortgage payments
    • Late fees and calls from your servicer are piling up
    • Your income changed and the payment no longer fits
    • You'd rather sell now than wait for a foreclosure notice

    Arrears snowball

    Late fees, inspection fees and interest get added to the balance.

    Options shrink with time

    The earlier you act, the more choices you have.

    Stress follows you home

    Calls, letters and uncertainty every single day.

    Compare your options

    SilverCrest vs. the alternatives

    An honest side-by-side. Timelines are typical ranges and vary by state, lender and market.

    SilverCrestKeep trying to catch upList with an agent
    Time to resolveAs little as 7 daysUncertainOften 2–4 months
    Upfront costsNoneArrears + feesRepairs, staging, commission at close
    Continuing late feesStop at closingContinueContinue until it sells
    Certainty of the dateYou choose itNoneDepends on the buyer's lender
    How we help

    Four steps, start to finish

    1. 1

      Tell us where you stand

      How many payments, and any letters you've received.

    2. 2

      See your real numbers

      Your offer shows the payoff, the arrears and your net.

    3. 3

      Pick a closing date

      Close in a week or give yourself more time to move.

    4. 4

      Loan paid in full

      Title pays the servicer directly; you get the remainder.

    What happens after you miss payments

    Servicers typically charge a late fee after the grace period, report the delinquency to credit bureaus after 30 days, and send notices about loss-mitigation options. Federal rules generally keep a servicer from making the first foreclosure filing until the loan is more than 120 days delinquent, which gives you time to decide.

    Use that window. Call your servicer and ask about forbearance, repayment plans or a modification. A HUD-approved housing counselor is free. If none of those work, or you simply want out, selling while you still have time is usually the cleanest outcome.

    Why selling early protects your equity

    Every month of arrears and fees comes out of your equity at the end. Selling earlier means less is owed and more is yours. No agent commission and no listing fees. We cover the typical seller closing costs in our offer.

    This page is general information, not legal, tax or financial advice. Laws and timelines differ by state. Talk to a licensed attorney, CPA or HUD-approved housing counselor about your specific situation.

    Questions

    What sellers ask us

    Yes. You still own the home. The sale pays off the full balance, including what's past due, at closing.

    Lenders are paid in full from the sale, so their permission isn't needed unless the price is less than what you owe (a short sale).

    It's only too late once the foreclosure sale is completed. But acting before a foreclosure filing gives you more choices.

    No. The arrears are included in the payoff and paid from the proceeds.

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    Whatever's going on, there's a way out

    Enter your address. A real cash offer from SilverCrest — no fees, no repairs, no obligation.