Behind on Payments? The Earlier You Act, the More Options You Have
Falling behind on your mortgage, property taxes, or HOA dues is stressful, but it's rarely an emergency on day one — it becomes one the longer it's left unaddressed. Whether it's a job loss, medical bill, or just a rough stretch, the good news is that acting early gives you far more control over the outcome than waiting does.
We're Evan and Alex — local, licensed buyers based in Sonoma County. We've helped homeowners across both counties get ahead of financial hardship before it turns into something bigger, like foreclosure or a tax sale. No judgment — just honest options.
Already Received a Notice of Default?
If your lender has already sent a formal Notice of Default, you're a step further along than what this page covers. Our dedicated guide walks through the full California foreclosure timeline and your options at that stage: Stop Foreclosure in Sonoma & Marin County.
Behind on Property Taxes or HOA Dues?
It's not just mortgage payments that can spiral. Unpaid property taxes can eventually lead to a tax lien and, if left long enough, a tax sale. Unpaid HOA dues can result in liens as well. In every case, the same principle applies: selling before the debt escalates lets you pay it off from the proceeds and keep what's left, rather than losing equity to penalties, interest, or a forced sale down the line.
Your Options When You're Behind
- Catch up the payments — if the hardship was temporary and you can realistically get current.
- Negotiate a payment plan — with your lender, the county tax collector, or your HOA, depending on what's behind.
- Sell before it escalates — pay off what's owed from the proceeds and keep your equity. This is where we come in.
- List it on the market with us — if you have time and it would net more, we're licensed agents and will tell you honestly.
This page is general information, not financial or legal advice. If you're not sure how far behind you are or what your specific timeline looks like, your lender, the county tax collector, or a HUD-approved housing counselor can clarify your exact situation — often for free.
How We Help
- A fair cash offer within 24 hours — no obligation.
- We move fast when needed — closing in as little as 7 days.
- Outstanding balances are handled at closing — mortgage, tax liens, or HOA dues are paid from the proceeds.
- No fees or commissions — and we cover normal closing costs.
- Local and discreet — based right here in Sonoma County.
How the Process Works
Step 1 — Tell us about your situation. Fill out the form on this page or call (707) 390-0399. Let us know what you're behind on — it helps us move quickly. About 5 minutes.
Step 2 — We'll review and make an offer. Within 24 hours we'll present a written, no-obligation cash offer based on current market conditions and your home's condition.
Step 3 — Close and pay off what's owed. If you accept, we coordinate with title to pay off the mortgage, taxes, or liens at closing, and you keep the remaining equity.