Let us make your problems, our problems

Selling a Home in Pre-Foreclosure in Phelps County, MO

Selling your Phelps County, MO home in pre-foreclosure to an as-is house buying company can get the bank off your back quickly. Call Evervest for a quick, easy, and fair 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 Phelps County, MO

      Selling a home in pre-foreclosure in Phelps County, MO. If you are facing foreclosure and are worried about losing your home and severely damaging your credit score, know that there are options available to you. Evervest Home Buyers is a cash house-buying company that buys Phelps County, MO homes in foreclosure. Our team is cordial and discreet. We can have an estimate ready for you just by looking at pictures, have our official offer in a matter of days, and close as quickly as you need us to – before the bank auctions off your home. Speak to a representative at (573) 367-5677 or contact us online to start the process of getting out from under the bank’s thumb today. Depending on the value of your home and what’s left on the mortgage, 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.


      How Foreclosure Happens in Phelps County, MO

      Pre-foreclosure is the period between when you fall behind on your mortgage payments and when your Phelps County, MO lender auctions off your home off to the highest bidder. It usually happens in five stages:

      1. Payment default — You’re technically in default after the first month you missed a payment on, or once you pass your lender’s grace period. After each of the first two missed payments, your bank will likely reach out via letter or telephone. At this point, the lender will likely be willing to reach an agreement with you to bring your balance up to date. 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, telling you the amount past due and informing you that, to avoid foreclosure, you must pay it off within 30 days. Federal law states that lenders must wait 120 days from the first missed payment to start 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 will file a lawsuit in court. In a nonjudicial foreclosure, you won’t have any official court proceedings, but they must abide by the regulations set by Missouri law.
      4. Sale of the home — Whichever type of foreclosure the lender opts for, the house 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 home is sold, 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, 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 Phelps County, MO

      You have a few options whenever you’re property is in pre-foreclosure or foreclosure in Phelps County, MO:

      Reinstate the Loan

      Reinstating a loan typically involves settling the late payments, late fees, and any other charges associated with the delinquency. Once you have paid off all the past due amounts, the loan is considered to be current again and you can continue making regular payments as outlined in the loan agreement.

      It’s important to note. If you fall behind again the home may go into foreclosure again. You could consider taking out a loan with a different lender, but it will probably have an incredibly high interest rate, 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 agree with the lender to voluntarily transfer ownership of the property to them 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 as a rental property, but you would still be evicted.

      Bankruptcy

      The goal of bankruptcy is to provide a fresh start for you by either eliminating or reducing your 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 choose Chapter 7 bankruptcy, you will not have to pay off the rest of your mortgage if your home completes foreclosure, and you can still remain in the home before foreclosure for free. The goal of this is to give you a few more months to figure out what to do.

      Chapter 13 Bankruptcy

      If you file for Chapter 13 bankruptcy, you may be able to hold onto your home. You’ll have to stick to a payment plan – under supervision of a court-appointed trustee – that allows you to pay off your debt in three or five years.

      There are many reasons that bankruptcy may not be a good choice. 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 considerable court costs and fees and pay for expensive bankruptcy attorneys. If you’re not able to keep up with mortgage payments, you may not be able to afford filing for bankruptcy.

      Sell Your Home in Pre-Foreclosure

      Another possibility is to sell your home and settle your outstanding debts with the money. There are a couple different types of sales for a pre-foreclosure home:

      1. Short sale — Lenders are required to consider any offer made on your Phelps County, MO house. In a short sale, the offer on your Phelps County, MO home in pre-foreclosure is less than the amount you owe. The lender can then decide if getting less than the remainder of the mortgage is worth avoiding the hassle of a foreclosure. A short sale does lower your credit score, but not as much as a foreclosure.
      2. Standard sale — If your home is worth more than your remaining mortgage, you can simply sell your home to an interested buyer, use the money to pay off your mortgage, and keep the rest for new housing.

      You can try to sell your property on the traditional market, but foreclosure only lasts for 45 to 60 days. According to data from the St. Louis Federal Reserve, selling a house on the traditional market takes over 90 days, 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 may be your best option. We can agree to an offer and close on your house within 30 days of our initial conversation.



      How Our Phelps County, 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 Phelps County, MO residents a hassle-free home sale. We’ve bought everything from properties of people who owe back taxes to homes with extensive plumbing issues.

      We purchase homes “as-is,” which means that homeowners do not have to make costly renovations to the property for us to want to buy it. 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 upload photos of your house, we can give you an estimate within an hour. In the following days, one of our buyers will do their own inspection. You don’t even have to wash the dishes before we show up. We always intend to offer as much as we can for a house in Phelps County, MO while still being able to profit off it ourselves.
      • Making the home selling experience stress-free — We understand that your Phelps County, MO home being in pre-foreclosure is difficult, and you may be nostalgic about leaving your home. We’ll won’t make things any more stressful than they already are. 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’ll still move to take over and sell the house as quickly as possible. We can help you sell your house fast. There’s no waiting for inspections, appraisals, or open house. As licensed real estate brokers, we can perform the closing ourselves, as soon as you need us to after we agree on a price.
      • Saving your credit score — Having a home in pre-foreclosure won’t effect your credit score. However, if your house is foreclosed on, 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 properties we buy in Phelps County, MO include:

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

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

      No one likes foreclosure – not even lenders. Selling your home in pre-foreclosure can be an agreeable solution for both you and your mortgage lender. Our buyers are personable and nonjudgmental, and can help you get out from under your debt and save your credit score. We’ll make a fair cash offer on the property, close on the deal fast, and assist with the legal and financial aspects of the sale. If your Phelps County, MO home is in pre-foreclosure, call Evervest Home Buyers today at (573) 367-5677 or tell us about your property online.

      Homes We Buy in Rolla, MO

      We will buy your house in Rolla 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 Rolla 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 Rolla, Missouri home buyers today at 573-367-5677.

      Call (573) 367-5677

      — 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.