Let us make your problems, our problems

Selling a Home in Pre-Foreclosure in Manchester, MO

Selling your Manchester, MO home in pre-foreclosure to an as-is house buying company can help you move on from your debt quickly. Call Evervest for a stress-free home-selling process.

Contact Us Today

    BBB

    A+ BBB Rating

    Rated 5/5 stars on the Better Business Bureau.

    Google Reviews

    5.0 Google Rating

    Over 8 reviews on Google with an average rating of 5 stars.

    Offers in 60 Min!*

    Receive an offer in as little as 60 min using text or FaceTime®

    Questions about selling your home for cash?

    Visit our frequently asked questions page for answers to all of your home-selling questions.

    Clients Love Evervest Home Buyers

    If you want to sell your home stress-free and fast, call Evervest Home Buyers. There's no waiting for financing or approval. We get things done.

    Don't believe us? See what our clients have to say about their experience. Evervest Home Buyers is a St. Louis-based home buyer and home seller. We open and close as-is home deals within 30 days.

    View All Reviews

    • I would definitely recommend Scott

      In 2016 I found myself in a position to purchase my parent’s home as they had both recently passed away.  I decided to sell my house ‘as is’ since I was going to be doing extensive remodeling on my…

      Cyndy B

      Cyndy B

    • I couldn’t have been happier!

      I just wanted to say that I couldn’t have been happier with Evervest, LLC when I wanted to sell my home.  My son and I were looking for a fresh start.  We had the opportunity to move to another…

      Patricia B

      Patricia B

    • A pleasure to work with

      Evervest was a pleasure to work with. Efficient and courteous and willing to help when paperwork complications arose. I am very satisfied with the result, which enabled me to sell my mother’s home so as to continue to pay…

      David M.

    • Closing was extremely easy.

      We enjoyed working with Scott. He was very fast in giving us an offer and worked with us to see that we were happy. He allowed us the time we needed to vacate. Closing was extremely easy. I have…

      Paula Brown

    • Satisfactory & Professional

      This is to advise that my interactions with Evervest were satisfactory & professional.   I owned my home for 19 years but due to poor health I was unable to update/maintain the home & ended up having to move…

      Fairlane K.

      Fairlane K.

      View All Reviews

      We Make Selling Your Home Super Easy.

      Evaluate

      1. We Evaluate Your Home

      We make it easy to get a fast, free estimate. We buy homes in ANY condition, needing any level of repairs. Whether your home is messy, outdated, or falling apart, we want to buy it!

      Evaluate

      2. We Submit a Cash Offer

      We make it easy to get a fast, free estimate. We buy homes in ANY condition, needing any level of repairs. Whether your home is messy, outdated, or falling apart, we want to buy it!

      Evaluate

      3. Close in 7 Days or Less!

      We make it easy to get a fast, free estimate. We buy homes in ANY condition, needing any level of repairs. Whether your home is messy, outdated, or falling apart, we want to buy it!

      Selling a Home in Pre-Foreclosure in Manchester, MO

      Selling a home in pre-foreclosure in Manchester, MO. Financial hardships can happen to anyone, but foreclosure is not the end of the road for homeowners. While losing your home and facing an enormous hit on your credit score is not a situation anyone wants to be in, you do have options if you find yourself there. Evervest Home Buyers is an as-is house-buying company that buys Manchester, MO homes in foreclosure. Our team is amiable and discreet. We can offer you an estimate just by looking at pictures, have our official offer in a matter of days, and close in as little as 30 days – before the bank officially foreclosures on your home. Speak to a representative at (314) 730-0366 or contact us online to get out from under your debt. Depending on how much you owe, we may even be able to put enough cash in your pocket to fund your next move.


      Call Evervest Today!

      Call & Get a Fast, FREE Cash Offer!

      We pay a FAIR price. Text us photos of your home and get a fast, free cash offer in as little as 60 minutes. We make it easy to get a fast, free estimate.

      Link will dial Evervest's number.


      The Pre-Foreclosure Process in Manchester, MO

      Pre-foreclosure is the period between when you first miss a mortgage payment and when your bank or lender sells your Manchester, MO house. It is a five-stage process:

      1. Payment default — Payment default begins when you’ve missed at least one mortgage payment. After each of the first two missed payments, your bank will likely reach out via letter or telephone. If you’ve only missed a month or two, the lender will likely be willing to work something out with you to pay off the delinquent debt. Federal law requires lenders to discuss loss mitigation options with you.
      2. Notice of default — After 90 days of missed payments, you’ll receive a demand letter, detailing the amount past due and informing you that you have 30 days to pay it off. Federal law requires lenders to wait 120 days from the first missed payment to start the process of taking your home.
      3. The lender officially begins foreclosure — If, after that period has ended you haven’t brought your mortgage up to date, the lender will begin either a judicial foreclosure or a nonjudicial foreclosure. In a judicial foreclosure, the lender sue you in civil court. In a nonjudicial foreclosure, you won’t have any official court proceedings, but they must follow the regulations set by Missouri statutes.
      4. Sale of the home — Whichever type of foreclosure they pursue, the home will then be auctioned off to the public. The lender will set a minimum bid taking into account the value of the house, the amount owed, and any court costs or unpaid taxes.
      5. Eviction — Once the property has a new owner, you’ll have a three to 30 day period to move out. If you don’t, the new owner can file an eviction lawsuit in court.

      While the foreclosure process is not kind, there are multiple ways you can lessen the consequences for yourself.

      Selling a Home in Pre-Foreclosure in St. Louis | As-Is House Buyer | Cash Home Buyers Near Me

      How to Stop Foreclosure in Manchester, MO

      The following are the main ways you can deal with pre-foreclosure or foreclosure in Manchester, MO:

      Reinstate the Loan

      Reinstating a loan usually includes paying off the late payments and any other penalties or fees. Once you have paid off all the past due amounts, the loan is considered to be current again and you will be required to continue making regular payments as outlined in the loan agreement.

      It’s important to note. If you fail to keep up with the monthly payments the home may go into foreclosure again. You could consider taking out a loan with a different lender, but the interest rates will likely be high, and you’ll have to keep up with the payments in addition to your mortgage.

      Deed in Lieu of Foreclosure

      In a “deed in lieu,” you can give your home to the lender in exchange for discharging your unpaid debt. This reduces some of the negative consequences of a foreclosure, such as a damaged credit score, and it allows the lender to avoid the time and expense of the foreclosure process. The lender can then sell the house, or keep it and have tenants in it, but you would still likely have to move out.

      Bankruptcy

      Filing for bankruptcy is a way to get relief from overwhelming debt. If you go the bankruptcy route, you’ll still be responsible for paying off your debt, but with a more realistic payment structure. There are two types of bankruptcy you can file:

      Chapter 7 Bankruptcy

      If you file for Chapter 7 bankruptcy, you will not be required to pay off the rest of your mortgage if the lender completes foreclosure, and you can remain in the home during the process without having to pay the mortgage. The goal of this is to give you a few more months to plan your future.

      Chapter 13 Bankruptcy

      Chapter 13 bankruptcy may allow you to hold onto your house. You’ll have to stick to a payment plan – under supervision of a court-appointed trustee – that allows you to become current in three or five years.

      There are many reasons that bankruptcy may not be a good option. First, you’ll need to show that you are eligible for it, and all your debts, expenses, and income will be analyzed. You’ll also have to pay significant court fees for bankruptcy lawyers. If you’re not able to keep up with mortgage payments, bankruptcy still may be too expensive.

      Sell Your Home in Pre-Foreclosure

      The last option is to sell your home and pay off the remainder of your mortgage with the money you get from the sale. There are two different ways to do this:

      1. Short sale — Lenders are required to consider any offer made on your Manchester, MO property. In a short sale, the offer on your Manchester, MO home in pre-foreclosure is less than the amount you owe. The lender can then decide if getting less than what you owe is worth avoiding the hassle of a foreclosure. A short sale does lower your credit score, but not as much as a foreclosure.
      2. Traditional sale — If a potential buyer offers more than your remaining mortgage, you can accept that offer, use the money to pay off your mortgage, and pocket the rest.

      You can try to sell your house through a real-estate agent, but foreclosure only lasts for 45 to 60 days. According to research by the St. Louis Federal Reserve, selling a house on the traditional market takes more than three months, and that doesn’t include the repairs and upgrades most traditional buyers will want you to make. If you’re in pre-foreclosure, selling your home to an as-is, cash home buyer may be your best option. We can agree to an offer and close on your house within 30 days of our initial conversation.



      Selling Your Home in Pre-Foreclosure to Our Manchester, MO Cash Home Buyers

      Evervest Home Buyers buys homes with all cash offers, and strive to give Manchester, MO homeowners a stress-free home selling experience. We’ve bought everything from properties of people who owe back taxes to houses with lead or asbestos.

      We buy properties “as-is,” which means that the condition of the property doesn’t matter to us as it would to a typical homeowner. You also don’t have to do open houses and wait to find a buyer. We can help you in selling your home in pre-foreclosure by:

      • Getting our best possible offer fast — If you upload photos of your home, we can give you an estimate within an hour. Then, we’ll schedule an inspection, where a member of our team will perform their own inspection. You don’t even have to sweep, mop, or vacuum before we show up. We always intend to offer as much as we can for a property in Manchester, MO while still being able to profit off it after we repair it.
      • Making the home selling experience stress-free — We know that your Manchester, MO home being in pre-foreclosure is stressful, and you may be emotional about having to move out of home. We’ll make everything as simple as we can so you don’t feel any additional stress. Unlike other cash home buying companies, we have no loopholes in our contract. We’ll show you proof of funds so you can feel at ease.
      • Getting you money fast — While the bank would likely prefer it if you sold your home instead of them having to foreclose on it, they’ll still move to take over and sell the house as quickly as possible. We can help you sell your house fast. You don’t have to deal with or wait around for third parties. As licensed real estate brokers, we can perform the closing ourselves, usually within 30 days if not sooner.
      • Saving your credit score — Having a home in pre-foreclosure won’t lower your credit score. However, if the foreclosure is completed, it has a huge negative impact on your credit score, that won’t go away for 7 years. While selling to us won’t allow you to keep your home, we can help you avoid the financial perils of it getting foreclosed on.

      Other services we offer in Manchester, MO include:

      Selling Your Home in Pre-Foreclosure St. Louis | Cash Home Buying Company | As-Is House Buyers Near Me

      Selling Your Manchester, MO Home in Pre-Foreclosure | Evervest Home Buyers

      Everyone hates foreclosure – even banks. Selling your home in pre-foreclosure is often the best option for everybody involved. Our buyers are cordial and discreet, and can help you pay off your debt and save your credit score. We’ll make a fair cash offer on the property, close on the deal fast, and help you with the legal and financial aspects of the sale. If your Manchester, MO home is in pre-foreclosure, call Evervest Home Buyers today at (314) 730-0366 or tell us about your property online.

      Homes We Buy in St. Louis, MO

      We will buy your house in St. Louis fast. Whether you have an inherited home, have recently gotten divorced, are living with financial hardship, or have a home that requires massive repairs, Evervest Home Buyers will purchase your home!

      Evervest Home Buyers

      If you inherited a house, own an outdated property in need of extensive repairs, or even want to downsize, Evervest Home Buyers can save you thousands by buying your St. Louis home for cash. Evervest saves you time, money, and stress. Many of the homes we buy are dangerous, old, or falling apart. We do any required maintenance and renovations ourselves. At Evervest, we focus on fast transactions that don’t require bank approval or additional financing. Call the St. Louis, Missouri home buyers today at 314-730-0366.

      Call (314) 730-0366

      — or —

        Call Evervest Today!

        Call & Get a Fast, Free Cash Offer!

        We pay a FAIR PRICE. Our offers are cash offers in which we buy the property in “AS IS” condition without you having to make any repairs or offer any inspections. You don’t even have to clean or remove items from the home. Call, text or submit your info below for a FREE offer.

        Link will dial Evervest's number.