Struggling With Mortgage Payments? Here’s How to Sell Your TN Home
Falling behind on your mortgage payments in Tennessee can feel overwhelming. But if you’re wondering, “Can I sell my house if I’m behind on the mortgage?” — the answer is yes. At Local Cash Home Buyers – Simplifi Real Estate, we help homeowners in tough situations sell fast and move forward, even with late payments looming.
This guide breaks down everything you need to know about selling a house when you’re behind on mortgage payments in Tennessee, and how our team can offer you a fast, hassle-free solution.
What Happens When You Miss Mortgage Payments?
Missing one or two mortgage payments may lead to late fees and credit score dings. But if you’re behind by more than 90 days, your lender may begin the foreclosure process. In Tennessee, foreclosures can move quickly — often within 60-90 days after a notice of default.
Selling your home before foreclosure is finalized gives you the opportunity to pay off what you owe and possibly walk away with equity in your pocket.
Sell Your House Fast In 3 Easy Steps!
Contact Us
Fill out the form to give us some details about the home you’re wanting to sell.
Get Your Offer
We will schedule a time to look at the home so we can calculate our cash offer.
Get Paid
If you accept our offer, pick the closing date that works best for you and get paid!
Can You Sell a Home with Missed Mortgage Payments?
Yes, you can absolutely sell your home in Tennessee even if you’re behind on payments. Here are your options:
1. Traditional Sale
You can list the home with a realtor, but keep in mind:
- It may take weeks or months to find a buyer
- Repairs and showings are usually required
- You must keep paying the mortgage during the listing process
2. Short Sale
If you owe more than the home is worth, you may qualify for a short sale. Your lender must approve this option, and it can take several months.
3. Cash Sale to a Home Buyer
Selling directly to a cash home buyer like Local Cash Home Buyers – Simplifi Real Estate is often the fastest and least stressful option. We buy houses in any condition — even if you’re behind on payments or facing foreclosure.
Benefits of Selling to Local Cash Home Buyers – Simplifi Real Estate
When you’re under pressure, you need a buyer who can move fast. Here’s how we can help:
✅ Sell As-Is
No repairs. No cleaning. No agents. We buy houses in any condition.
✅ Avoid Foreclosure
We act fast, often closing in as little as 7 days, which can help you avoid foreclosure on your credit report.
✅ Pay Off Mortgage Debt
Our offer can help cover your remaining mortgage balance and possibly leave you with cash in hand.
✅ No Commissions or Fees
You don’t pay closing costs, commissions, or junk fees.
✅ Local & Trusted
We’re based right here in Tennessee and understand how to navigate local foreclosure laws and timelines
Why Sell My Home To Simplifi Real Estate?
Selling a home can often be overwhelming, but Simplifi Real Estate is here to simplify every step. Because we buy houses direct from sellers in cash, we eliminate fees, commissions, and other middleman costs. We also understand that every homeowner’s situation is different, which is why we purchase houses in Tennessee as-is, covering all closing costs and necessary repairs.
Fair Cash Offer
We’ll make you a cash offer based on the condition and value of the home.
Simple Sale Process
We want to make selling your home as easy and stress-free as possible.
Close When You Want
Need to sell fast or need extra time to move? We’ll work with you.
Sell Your Home As-Is
You won’t have to make any repairs or updates! We buy houses totally “as-is.”
No Agent Fees
We buy houses directly from sellers with no realtor commissions or other fees.
No Need To Clean
No need to clean. Leave behind anything you don’t want to take with you.
Our Simple Home Buying Process
Selling your Tennessee home to avoid foreclosure doesn’t have to be complicated. Here’s how it works:
1. Contact Us
Call or fill out our short form. Tell us a few details about your home and situation.
2. Get a No-Obligation Offer
We’ll review the property and give you a fair, transparent cash offer.
3. Pick Your Closing Date
If you accept, we’ll close on your timeline — even in as little as 7 days.
4. Close & Move On
We handle all the paperwork and costs. You walk away with peace of mind.
Common Questions About Selling with Missed Payments
Can I sell my house if it’s in pre-foreclosure?
Yes. As long as the foreclosure sale hasn’t happened yet, you still have time to sell and stop the process.
Will a cash sale cover my mortgage balance?
In many cases, yes. We’ll make an offer based on your property’s current condition and local market value. If our offer exceeds your balance, you keep the difference.
What if I owe more than the house is worth?
Let’s talk. We may still be able to work with your lender on a short sale or other creative solution.
Do I need to inform my lender?
Yes. It’s important to keep your lender informed. Selling your home could satisfy the debt and avoid foreclosure.
Why Choose Local Cash Home Buyers – Simplifi Real Estate?
We’re not just investors — we’re your neighbors. We’ve built our reputation on honesty, speed, and helping Tennessee homeowners in tough spots.
Here’s why homeowners choose us:
- Quick closings
- Fair, no-pressure offers
- No repairs or cleaning needed
- Respectful, local team
We understand the urgency and stress that come with being behind on your mortgage. Our goal is to provide a way out — fast, fair, and with dignity.
Cash Home Buyers Near You In TN
“The very first time I met Devin, there was this peace, knowing, that I could trust him. He and his wife Shelby and staff Rebecca, went above and beyond my expectations! And I didn’t have to do anything. I am glad I sold the house to Simplifi Real Estate LLC. And I am very satisfied how everything went, and will highly recommend the company.
Thank you for being there for my husband and myself. You are truly Jesus Children. May God continue to bless your family, the company and Staff. Thank you for being faithful. And again many thanks to you guys !💕”
– Yvonne Dunlap 
What If Foreclosure Has Already Started?
You can still sell your house even if the foreclosure process has begun — but time is critical.
If your lender has issued a Notice of Default or scheduled an auction date, don’t wait. Call us immediately. We’ve helped many Tennessee homeowners stop foreclosure by closing fast with a cash offer.
Ready to Sell Your Tennessee Home?
If you’re behind on your mortgage and considering selling, don’t wait for foreclosure to hit your credit and future. Contact Local Cash Home Buyers – Simplifi Real Estate today for a no-obligation cash offer.
Call us now or fill out the short form below to get started. We’re here to help you move forward.
Our Commitment To You
Yes, we are a business and we try to make a profit on every deal. However, we’re all about fairness and doing right by you. Our goal is to create a win-win deal for everyone involved. If it’s not a win for you, we’re not the right fit, and we won’t move forward with the sale.
You can trust us to be honest, upfront, and compassionate while helping you find the best solution. Give us a shot, and you’ll see the difference!
Thanks for trusting us—we’ve got your back!
-Devin Ramos
Sell Your Home In Tennessee The Easy Way!
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