Falling behind on mortgage payments can feel overwhelming—but it doesn’t mean you’re out of options. In Oregon, you can still sell your home even if you’re several months behind, and taking action early can protect your credit and your peace of mind. At Rebuilder Solutions, LLC, we specialize in helping homeowners navigate these challenging situations with compassion and practical solutions.
1. Understand How Oregon’s Foreclosure Process Works
Most lenders start by sending a late-payment notice after the first missed payment. After several missed payments, they can record a Notice of Default and eventually a Notice of Trustee’s Sale, scheduling a foreclosure auction.
Knowing where you stand in this timeline is critical. The sooner you act, the more options you’ll have to avoid foreclosure and protect your equity.
2. Yes—you Can Sell Even if You’re Behind
Oregon law allows you to sell your home up until the foreclosure auction date. Selling before the auction:
- Pays off the mortgage and any late fees.
- Stops the foreclosure process.
- Helps you avoid a major hit to your credit.
You don’t have to catch up on missed payments first—the proceeds from the sale can cover what’s owed.
3. Why a Cash or “As-Is” Sale Can Help
Traditional sales can take months. If time is short, consider a cash sale:
- No repairs or updates required.
- Fast closings—often in as little as 7–14 days.
- Flexible move-out dates so you aren’t rushed.
This can give you breathing room and a fresh start without added stress.
4. Steps to Take Right Now
- Contact your lender to discuss repayment or forbearance options.
- Gather your mortgage and loan documents so you know the exact payoff amount.
- Request a confidential consultation with a reputable home buyer like Rebuilder Solutions, LLC.
We buy houses throughout Portland Metro, Newberg, Sherwood, Dundee, McMinnville, Tigard, and Tualatin, helping families find solutions even when foreclosure feels imminent.
Take the First Step Toward Peace of Mind
Being behind on payments doesn’t mean you have to lose your home to foreclosure. Selling before an auction can stop the process and safeguard your financial future.
📞 Contact Rebuilder Solutions, LLC at 503-862-3116 for a free, no-obligation property evaluation. Or, for more information, CLICK HERE
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Disclaimer: Rebuilder Solutions, LLC is not a law firm, financial advisor, or tax professional and does not provide legal, financial, or tax advice. The information in this article is for informational purposes only. Homeowners should consult a qualified attorney, financial advisor, or housing counselor for guidance on their specific circumstances.