Get an All-Cash Offer for your home in as Little as 30 Days

Selling a Home in Pre-Foreclosure in Nixa, MO

Selling your Nixa, 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 Nixa, MO

      Selling a home in pre-foreclosure in Nixa, MO. if you’ve been given a notice of default, you do have options. Evervest Home Buyers is an as-is property-buying company that buys Nixa, MO homes in foreclosure. Our buyers are cordial and nonjudgmental. We can have an estimate ready for you just by looking at pictures, have a full offer for you in as little as 48 hours, and close in as little as month – before the mortgage holder auctions off your home. Call us at (417) 815-3889 or contact us online to start the process of getting out from under the bank’s thumb today. Depending on how much you owe, you may even be able to have some cash left over.


      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 Nixa, MO

      Pre-foreclosure is the time between when you fall behind on your mortgage payments and when your bank or lender sells your Nixa, MO house. It typically happens in five stages:

      1. Payment default — Payment default begins when you’ve missed at least one mortgage payment. Banks are required to reach out to by the time you’re 45 days late on a payment. If you’ve only missed a month or two, you may be able to work something out with the lender to get up to date on payments. Federal law requires lenders to discuss loss mitigation options with you.
      2. Notice of default — After 90 days of missed payments, the lender will send you a notice of default, telling you how much you owe and informing you that, to avoid foreclosure, you must pay it off within 30 days. Federal law dictates that lenders must wait 120 days from the first missed payment to begin foreclosure proceedings.
      3. The lender officially begins foreclosure — If, after 120 days you haven’t made your mortgage current, 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, they’ll proceed out of court, but they must abide by the rules in by Missouri law.
      4. Sale of the home — In either case, the property will will be sold in a public option. The lender will set a minimum bid which accounts for their appraisal of the home, the amount owed, and any fees or unpaid taxes.
      5. Eviction — Once the property has a new owner, you’ll have between three and 30 days to leave. If you remain in the house, the new owner can file an eviction lawsuit in court.

      While the foreclosure process is not kind, you do have options before the bank takes your home from you.

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

      How to Stop Foreclosure in Nixa, MO

      Below are the main ways you can handle pre-foreclosure or foreclosure in Nixa, MO:

      Reinstate the Loan

      Reinstating a loan generally involves settling the late payments and any other penalties or fees. Once the loan is current you will be required to continue with the monthly payments as previously agreed.

      reinstating a loan is not a permanent solution. If you cannot maintain the payments. You could consider taking out a loan with a different lender, but it will probably have an incredibly high interest rate, and then you’ll have two monthly loans to stay current on.

      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. Your credit score would not take a hit, and the lender wouldn’t have to deal with the hassle the foreclosure process. The lender can then sell the property, or keep it as a rental property, but you would still likely have to move out.

      Bankruptcy

      Filing for bankruptcy is a way to get relief from debilitating debt. If you file for bankruptcy, you’ll still have to pay off the mortgage, but the timeline will be extended and will have a different payment plan. There are two types of bankruptcy you can file:

      Chapter 7 Bankruptcy

      If you file for Chapter 7 bankruptcy, you will not have to pay off your remaining debt if the lender completes foreclosure, and you can still remain in the home before foreclosure without having to pay anything monthly. The goal of this is to give you a few more months to plan your future.

      Chapter 13 Bankruptcy

      If you file for Chapter 13 bankruptcy, you may be able to hold onto your house. You’ll have to stick to a payment plan – overseen by 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 choice. First, your entire financial life will be evaluated to see if you qualify. You’ll also have to pay significant court fees and pay for expensive 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

      Another possibility is to find a buyer and settle your outstanding debts with the money. There are two different ways to do this:

      1. Short sale — If an interested buyer makes an offer on your Nixa, MO home, the lender legally obligated to consider it. In a short sale, the offer on your Nixa, MO home in pre-foreclosure is less than the amount you owe. The lender can then decide if getting less than the full amount back is worth not having to deal with the hassle of a foreclosure. A short sale does lower your credit score, but not to the extent that a foreclosure does.
      2. Standard sale — If your home is worth more than your remaining mortgage, you can simply sell your home to an interested buyer, pay off your debt with the money from the sale, and pocket the rest.

      You can try to sell your property through a real-estate agent, but foreclosure only lasts for 45 to 60 days. Based on research by the St. Louis Federal Reserve, it takes an average of 50 days to find a buyer and 50 days to close, and that doesn’t include the time it takes to prepare the house for sale. If you’re in pre-foreclosure, selling to an as-is, cash home buyer is likely preferable to a traditional buyer. Once you accept our offer, we can close as quickly as you need us to.



      How Our Nixa, MO Cash Home Buyers Can Help With Your Home in Pre-Foreclosure

      Evervest Home Buyers buys homes with all cash offers, and always want to give Nixa, MO residents a stress-free home sale. We’ve bought everything from properties of houses in probate to homes with asbestos.

      We purchase homes “as-is,” which means that the condition of the property doesn’t matter to us as it would to traditional home buyer. 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:

      • Giving our best possible offer quickly — If you send us pictures of your property, we can give you a same-day estimate. Then, we’ll schedule an inspection, where a member of our team will carry out their own inspection. You don’t even have to wash the dishes before we come over. We always intend to offer the most we can for a property in Nixa, MO while still seeing it as an investment for ourselves.
      • Making the home selling experience stress-free — We know that your Nixa, MO home being in pre-foreclosure is not the best time in your life, and you may not want to leave your 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 never written a contract that didn’t close because we backed out of it. We’ll show you proof of funds so you don’t have to worry.
      • 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’re not going to wait around to collect their debt. 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, as soon as you need us to after you agree to our offer.
      • Saving your credit score — Having a home in pre-foreclosure does not effect your credit score. However, if your house is foreclosed on, it can have massive consequences for your credit score, that won’t go away for 7 years. While you won’t get to keep your home if you sell to us, we can save you from the financial perils of foreclosure.

      Other services we offer in Nixa, MO include:

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

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

      No one likes foreclosure – not even banks. Selling your home in pre-foreclosure can be an agreeable solution for both you and your mortgage lender. Our buyers are cordial and nonjudgmental, 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 your home quickly, and assist with the legal and financial aspects of the sale. If your Nixa, MO home is in pre-foreclosure, call Evervest Home Buyers today at (417) 815-3889 or tell us about your property online.

      Homes We Buy in Springfield, MO

      We will buy your house in Springfield 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 Springfield 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 Springfield, Missouri home buyers today at 417-815-3889.

      Call (417) 815-3889

      — 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.