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Selling a Home in Pre-Foreclosure in Washington, MO

Selling your Washington, 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 experience.

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    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.

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    • 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.

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      We Make Selling Your Home Super Easy.

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      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 Whether your home is messy, outdated, or falling apart, we want to buy it!

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      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!

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      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 Washington, MO

      Selling a home in pre-foreclosure in Washington, MO. Financial hardships can fall on the best of us, 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 a difficult situation to be in, you do have options if you find yourself there. Evervest Home Buyers is a cash house-buying company that buys Washington, MO homes in foreclosure. Our team is cordial and nonjudgmental. We can have an estimate ready for you in as little as an hour, have our official offer in as little as 48 hours, and close as quickly as you need us to – before the mortgage holder sells your house. Speak to a representative at (314) 730-0366 or contact us online to get free of your debt. Depending on how much you owe, we may even be able to put enough cash in your account to fund your next move.


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      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.

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      How Foreclosure Happens in Washington, MO

      Pre-foreclosure begins when you first miss a payment, and ends when your lender takes official action. It usually happens in five stages:

      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 with a letter or phone call. If you’ve only missed a month or two, the lender will likely be willing to reach an agreement 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, the lender will send you a notice of default, telling you the amount past due and informing you that, to avoid foreclosure, you must bring the mortgage up to date within 30 days. Federal law requires lenders to wait 120 days from the first missed payment to start official action.
      3. The lender officially begins foreclosure — If, after 120 days you haven’t made an agreement with your lender, 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 regulations set by Missouri statutes.
      4. Sale of the home — Whichever type of foreclosure the lender opts for, the home will will be sold in a public option. The lender will set a minimum bid which accounts for how much the home is worth, the amount owed, and any court costs or unpaid taxes.
      5. Eviction — Once the home is sold, you’ll have a three to 30 day period to leave. If you don’t, the new owner can file an eviction lawsuit in court.

      While the foreclosure process may seem harsh, 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 Washington, MO

      The following are the main ways you can handle pre-foreclosure or foreclosure in Washington, MO:

      Reinstate the Loan

      Reinstating a loan usually involves settling the late payments and any other penalties or fees. Once the loan is current you can continue making regular payments as outlined in the loan agreement.

      reinstating a loan is not a permanent solution. If you cannot maintain the payments. You could consider taking out a loan with a different company, 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 the release of your obligation to pay the mortgage. 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 property, or keep it and have tenants in it, but you would still likely have to move out.

      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 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 choose Chapter 7 bankruptcy, you will not have to pay off the rest of your mortgage if the lender completes foreclosure, and you can still remain in the home before foreclosure without having to pay anything monthly. This is usually a way 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 property. You will have to agree to a plan to pay off all or some of your debts over a three to five year period. You’ll have to stick to the payment plan under the supervision of a court-appointed trustee.

      Bankruptcy has several downsides, however. 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 incur considerable court costs and 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

      The last option is to find a buyer and settle your outstanding debts with the money. There are two different types of sales for a pre-foreclosure home:

      1. Short sale — Lenders are obligated to consider any offer made on your Washington, MO property. In a short sale, the offer on your Washington, 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 not having to deal with the hassle of a foreclosure. A short sale does lower your credit score, but not as much as a foreclosure.
      2. Standard sale — If a prospective buyer offers 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 home on the traditional market, but foreclosure only lasts for 45 to 60 days. Based on data from the St. Louis Federal Reserve, selling a house on the traditional market takes more than three months, and that doesn’t account for the repairs and upgrades most traditional buyers will want you to make. If you’re in pre-foreclosure, selling to an as-is, cash home buyer is likely preferable to the traditional market. Once you accept our offer, we can close as quickly as you need us to.



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

      Evervest Home Buyers pays all cash for properties, and always want to give Washington, MO homeowners a hassle-free home selling experience. We’ve bought everything from properties of people who owe back taxes to homes with 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 send us pictures of your home, we can give you a same-day estimate. In the following 24-48 hours, a member of our team will do their own inspection. You don’t even have to pick up the socks off the floor before we come over. We always try to offer the most we can for a property in Washington, MO while still being able to profit off it after we repair it.
      • Making the home selling experience stress-free — We understand that your Washington, MO home being in pre-foreclosure is a trying time, and you may be nostalgic about leaving your home. We’ll make everything as simple as we can so you don’t feel any additional stress. We differ from other as-is home buying companies we have no loopholes in our contract. We’ll show you proof of funds so you don’t have to worry.
      • Getting you money fast — While banks prefer not having to go through the foreclosure process, they’re not going to wait around to collect their debt. When you sell to Evervest, you can sell your house fast. There’s no waiting for inspections, appraisals, or to find a buyer. 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 does not effect your credit score. However, if the foreclosure is completed, it can have massive consequences for your credit score, that will stay there for 7 years. While selling to us won’t allow you to keep your home, we can save you from the financial pitfalls of foreclosure.

      Other services we offer in Washington, MO include:

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

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

      No one likes foreclosure – not even lenders. Selling your home in pre-foreclosure is often the best option for both you and your mortgage lender. Our buyers are personable 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 the deal quickly, and assist with the legal and financial aspects of the sale. If your Washington, 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.

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