Need To Sell Your House When Behind On Payments? We Can Help!
Are you struggling with mortgage payments? You’re not alone. Over 2.1 million families fell at least three months behind on mortgage payments in 2021. That’s $90 billion in debt to real estate lenders!
“Can I sell my house if I’m behind on payments?” We hear this question from Alberta homeowners every day. With our resource-based economy, unexpected financial challenges can hit FAST. Job changes, market shifts, and rising costs can make mortgage payments feel impossible.
Here’s the GOOD NEWS – You CAN sell your house before foreclosure! Family First House Buyer helps homeowners just like you get a FAIR CASH OFFER in as little as 7 days. No waiting for banks. No more stress about missed payments.
We’ve helped countless Alberta families turn their challenging situations into fresh starts. Whether you’re one payment behind or facing foreclosure, we’re here to help you move forward. Give us a call NOW at (403) 879-7935 for your FREE, no-obligation cash offer!
AB FFHB Step 1 form
Want To Know Your Options When Behind On Payments?
Are you worried about missing mortgage payments? Let’s talk about what you CAN do right now!
Where Do You Stand?
First thing – check your total debt load. It shouldn’t go over 44% of your gross income. Look at your monthly costs:
- Mortgage payments
- Property taxes
- Utility bills
- Home maintenance
Call your lender RIGHT AWAY if you miss a payment. Most give you a 15-day grace period to catch up. The sooner you reach out, the more options you’ll have!
Why Alberta Homeowners Fall Behind
Here in Alberta, we understand the unique challenges you face:
- Oil and gas job changes hit FAST
- Construction work stops during winter
- Extreme weather damages need costly repairs
- Winter maintenance costs keep rising
Plus, these interest rate jumps hit hard when you’re renewing mortgages or dealing with variable rates.
Don’t Wait Until Foreclosure Starts!
Here’s what happens if you wait:
- 30 days late: Your loan defaults
- 36 days: Expect phone calls
- 90 days: Final warning letter arrives
- 120 days: Foreclosure process begins
But here’s the GOOD NEWS – lenders want to avoid foreclosure! They’ll often work with you on:
- Payment deferrals
- Special payment plans
- Extended amortization periods
Need help sorting through your options? Family First House Buyer helps Alberta homeowners just like you find FAST solutions to mortgage problems. Call us NOW at (403) 879-7935 for your FREE consultation!
Remember, you’re not alone in this. We’ve helped countless Alberta families avoid foreclosure through quick cash offers. Don’t wait until it’s too late – reach out today!
Want A FAST Cash Offer For Your House? Here’s How It Works!
Our Simple Cash Buying Process
Family First House Buyer makes selling your home for cash SIMPLE and FAST. No banks, no mortgage approvals needed.
Here’s what happens when you contact us:
- We look at your property
- You get a fair cash offer within 24 hours
- We transfer funds at closing through secure methods
No real estate agents. No complicated paperwork. Just you and us making a fair deal!
Why Sell Your House To Us?
We make selling your house EASY:
- No bank approvals or waiting
- No repairs needed – we buy AS-IS
- No commission fees or closing costs
- No public showings or open houses
We handle ALL paperwork and legal requirements. Perfect for Alberta winters when showing your house gets tough!
How Quick Can You Get Your Cash?
Need to sell FAST? Here’s our timeline:
- Day 1-2: We see your house and make an offer
- Day 3-4: You accept and we sign papers
- Day 7-10: You get your cash!
Compare that to regular sales taking 43 days or MORE!
Our Quick 3-Step Process:
- Property check and offer: 24-48 hours
- Sign agreement: 1-2 days
- Close and get paid: 5-7 days
We show proof of funds upfront – no surprises! Perfect for Alberta homeowners dealing with our up-and-down economy.
Want more time to move? No problem! We work with YOUR timeline. Call us NOW at (403) 879-7935 for your FREE cash offer!
Need To Sell Your House FAST? Here’s What You Need!
At Family First House Buyer, we know getting your house ready for a quick sale feels overwhelming. Let us make it SIMPLE!
Got Your Paperwork Ready?
We’ll need these documents to make your sale FAST and SMOOTH:
- Your original sales contract and property deed
- Recent property tax and utility bills
- Any renovation contracts and warranties
- Home repair records
- Mortgage discharge papers
- Property inspection reports
Forget Expensive Repairs!
Here’s what we’ve learned helping hundreds of Alberta homeowners – don’t waste money on big renovations! Focus on these quick fixes if you want:
- Fresh paint touch-ups
- Basic plumbing fixes
- Tightening loose handles
- Replacing burnt-out bulbs
Think twice about major kitchen remodels costing between CAD 38,306 to CAD 111,443 – they rarely pay off in quick sales!
Worried About Weather Damage?
Living in Alberta, we understand how tough our weather can be on homes! If you’ve got storm damage:
- Take lots of photos and videos
- Call your insurance company
- Let us handle the rest!
Why wait months for insurance claims? We buy houses with existing weather damage RIGHT NOW!
Just be upfront about any weather issues – we appreciate honest sellers! Our team knows Alberta homes inside and out. We’ll give you a FAIR CASH OFFER based on your home’s current condition.
Ready for your FREE cash offer? Call us NOW at (403) 879-7935! No repairs needed – we buy AS-IS!
Why Choose Family First House Buyer For Your Cash Sale?
Are you thinking “Which cash buyer can I trust?” We’re your LOCAL Alberta home buyers who understand our unique market inside and out!
What Makes Us Different?
Want to know why hundreds of Alberta homeowners choose us? Here’s what sets us apart:
- We show PROOF of funds upfront
- Professional certifications you can verify
- Years of LOCAL Alberta market experience
- Clear, step-by-step buying process
- NO hidden fees or surprises
Watch out for out-of-area buyers who don’t understand our market! They might not know how oil sector changes affect home values or how our winters impact property conditions.
Get Your FAIR Cash Offer FAST!
Here’s what happens when you call us:
- We evaluate your property
- You get a cash offer within 24 hours
- We handle ALL paperwork
Your offer includes:
- Clear purchase price – NO hidden fees
- YOU choose the closing date
- Simple, straightforward terms
- Written proof of funds
We Close On YOUR Timeline
Need to sell quickly? Here’s our FAST timeline:
- Day 1-2: We see your house and make offer
- Day 3: Earnest money submitted
- Day 4-7: Title work completed
- Day 7-10: You get your cash!
We buy houses homes “as-is” – no repairs needed! Whether you’ve got weather damage or outdated features, we’ll handle everything.
Want to know the best part? YOU control the timeline. No pressure, no rush decisions. We’re here to help when YOU’RE ready!
Call us NOW at (403) 879-7935 for your FREE, no-obligation cash offer!
Want To Avoid Cash Buyer Scams? Read This First!
Thinking about selling to a cash buyer? Let’s make sure you’re working with someone you can trust. Here in Alberta, we’ve seen it all – and we want you to know the warning signs.
Watch Out For These Red Flags!
Don’t fall for these common tricks:
- Cash offers that sound TOO good to be true
- Anyone asking for upfront fees
- Inspections dragging beyond 5 days
- Buyers who don’t know Alberta’s market
- Tiny earnest money deposits
Real cash buyers like us NEVER pressure you into quick decisions. We understand Alberta’s unique challenges – from oil patch changes to winter storms.
Smart Questions To Ask Your Buyer
Want to spot a reliable cash buyer? Ask these questions:
- “Can I see your proof of funds?” (Get recent bank statements!)
- “What’s your exact closing timeline?”
- “How many Alberta homes have you bought?”
- “How much earnest money do you offer?”
- “What’s your inspection policy?”
Professional buyers explain everything clearly. We’ll tell you exactly how we handle Alberta-specific challenges like weather damage and market shifts.
Protect Yourself!
Look for these in your sale agreement:
- Clear, specific terms – no tricky language
- Reasonable contingencies – not open-ended
- NO demands for:
- Major repairs
- Extra appraisals
- Unlimited inspections
Your earnest money deposit protects you. We put it in escrow within 24 hours – guaranteed!
Need help spotting a trustworthy cash buyer? Call us at (403) 879-7935 for FREE advice! We’re your neighbors here in Alberta, and we’re happy to answer ANY questions!
Need Help Planning Your Next Move? We’ve Got You Covered!
Are you wondering “What happens after I sell my house?” We understand moving feels overwhelming. Let’s make your transition SMOOTH and STRESS-FREE!
Your Moving Timeline – YOU Choose!
Want flexibility? You’ve got it:
- Close in 3 weeks or take up to 4 months
- Stay in your home up to 90 days with sale-by-borrower plans
- Keep living normally while we handle the details
Here’s your stress-free moving checklist:
- Switch those utilities
- Pack at your own pace
- Get professional movers if needed
Need A New Place To Call Home?
We’ve got options for you:
- Cozy furnished apartments ready NOW
- Extended-stay spots perfect for planning
- Rent-back options to stay in your current home
Need to buy another house? Bridge loans help you manage the timing. Perfect for Alberta’s fast-moving market!
We Make Change Easy!
Moving during Alberta winters? No problem! We work around YOUR schedule. Here’s what smart sellers do:
- Put your cash in high-interest savings
- Keep talking with everyone involved
- Have backup plans ready for weather delays
Think about what YOU really want:
- Maybe it’s time to downsize and save money
- Perhaps a new neighborhood fits better
- Could be time for a fresh start
Ready to talk about YOUR moving timeline? Call us NOW at (403) 879-7935! We’re here to help make your transition EASY!
Want To Know Where Your Money Goes When You Sell? Let’s Talk!
“What happens to my mortgage? What about taxes?” We hear these questions every day from Alberta homeowners. Let’s make it crystal clear where every dollar goes!
Your Money, Step By Step
Here’s exactly how your sale proceeds get handled:
- We pay off your mortgage first
- Legal fees get settled
- Property taxes get cleared
- YOU get the rest by bank draft or wire
NO surprises, NO hidden costs! We handle everything through trusted Alberta lawyers.
What About Taxes?
Good news! Most homeowners don’t pay tax when selling their primary home! But watch out – the new rules in 2023 affect quick sales within 365 days.
Here’s what you need to know:
- Your home sale is usually tax-free
- Quick flips might count as business income
- Must report ALL home sales since 2016
- Investment properties face capital gains
Lost your job in the oil patch? Going through tough times? You might qualify for special exemptions!
Smart Money Moves After Your Sale
Want options? We’ve got them:
- Stay in your house as a renter after selling
- Put your money in high-interest savings
- Keep cash ready for your next move
- Watch your money grow while you plan
Need to buy another house? Bridge loans help you time it right! Perfect for Alberta’s tricky market.
Remember – YOU control the timeline! Whether it’s winter storms or oil price changes, we work around YOUR needs.
Ready to understand YOUR options? Call us NOW at (403) 879-7935 for your FREE consultation!
Real Alberta Families We’ve Helped – Their Stories Could Be Yours!
Are you thinking “Will selling for cash really work for me?” Let these local stories show you what’s possible!
Meet Your Alberta Neighbors
Meet Laurie Thompson – she was about to see her mortgage payments DOUBLE to CAD 2,786.72! Lost her service industry job during the pandemic, facing foreclosure, scared about her future. We helped her sell FAST and avoid foreclosure.
“I needed speed more than top dollar,” Laurie tells us. “Family First House Buyer gave me a fresh start when I needed it most.”
We Help In ANY Situation!
Look at these Alberta families we’ve helped:
- Winter storms wrecked their roof – we bought in 24 hours
- Inherited a fixer-upper – we took it AS-IS
- Oil patch layoff forced a quick move
- Behind on payments after industry downturn
Remember that family whose pipes burst in -40°C weather? They got their cash offer in 24 hours, no waiting for insurance, no costly repairs!
What Our Success Stories Teach Us
Want to know the secrets to a smooth cash sale? Here’s what works:
- Call us EARLY when payment troubles start
- Use our flexible closing times – 3 weeks to 6 months
- Get your paperwork ready fast
Just ask Tom and Karen – they avoided open houses AND repairs! “We sold on OUR timeline,” they tell us.
Or that Edmonton family who needed to move after oil prices dropped? Ten days from call to closing!
From Calgary to Fort McMurray, we understand Alberta’s unique challenges. Burst pipes? Oil patch changes? We’ve helped families through it all!
Ready to write your own success story? Call us NOW at (403) 879-7935 for your FREE cash offer!
Remember – hundreds of Alberta families have found their fresh start with us. You can too!
cash sales provide practical solutions
received a cash offer within 24 hours
Ready For Your Fresh Start? We’re Here To Help!
Are you facing tough times in Alberta? We get it. From -40°C winters bursting pipes to sudden oil patch layoffs, life here throws plenty of challenges our way. But here’s what I’ve learned helping thousands of local families – there’s ALWAYS a solution!
My name’s Levi Hooft, and I’ve seen firsthand how quick cash sales help good people through hard times. Whether you’re:
- Behind on payments
- Dealing with winter damage
- Facing job changes
- Just need a fresh start
We’re here to help – neighbor to neighbor.
Worried about privacy? We understand. NO open houses. NO nosy neighbors. Just a simple, private sale between us.
Want to know the best part? You could have cash in hand in as little as 7 days!
Don’t let mortgage stress keep you up at night. Join the thousands of Alberta families who’ve found their fresh start with Family First House Buyer.
Ready to talk? Call us NOW at (403) 879-7935 for your FREE, no-obligation cash offer!
Remember – you’re not just another transaction to us. You’re our neighbor, and we’re here to help you move forward.
AB FFHB Step 1 form
FAQs
Q1. How long can I miss mortgage payments before risking foreclosure in Alberta?
Typically, lenders may start foreclosure proceedings after three missed payments. However, this can vary depending on your specific situation and lender policies. It’s crucial to contact your lender immediately if you’re struggling with payments to explore potential solutions.
Q2. Are there penalties for selling my house when I’m behind on mortgage payments?
While there may not be specific penalties for selling when behind on payments, you might face mortgage prepayment penalties depending on your contract terms. It’s important to review your mortgage agreement or consult with your lender to understand any potential costs associated with selling your home.
Q3. What are the advantages of selling my house to a cash buyer when I’m facing financial difficulties?
Selling to a cash buyer can offer several benefits, including a faster closing process (often within 7-10 days), the ability to sell your home “as-is” without making repairs, and avoiding real estate agent commissions. This option can be particularly helpful when you need to resolve financial issues quickly.
Q4. How can I protect my interests when selling my house to a cash buyer?
To protect your interests, ensure the cash buyer provides proof of funds, ask for a reasonable earnest money deposit, and review all contract terms carefully. Work with buyers who offer clear communication, transparent processes, and fair contract terms. Consider seeking legal advice to review the purchase agreement before signing.
Q5. What should I consider regarding my living situation after selling my house quickly?
After a quick sale, consider options like short-term furnished apartments or extended-stay accommodations while you plan your next steps. Some cash buyers offer rent-back agreements, allowing you to temporarily rent your former home after closing. It’s also wise to explore different neighborhoods that might better suit your current financial situation and lifestyle needs.