Home Options MA

Your situation

Behind on mortgage payments

We are not a foreclosure-prevention service and cannot stop a foreclosure. Free help is available first: call the HOPE Hotline at 888-995-4673 (24/7) or find a HUD-approved housing counselor.

If you are behind on your mortgage, talk to a free, HUD-approved housing counselor before you talk to any buyer. Counselors are free, they know the Massachusetts process and deadlines, and they can sometimes help with loan modification or repayment plans that let you keep the house. If selling is the right answer, you generally get a better price selling before a foreclosure sale than after. We do not promise to stop a foreclosure, and we never ask for money upfront or for your deed.

We are not a real estate broker or agent. We connect you with independent local buyers and agents who may pay us a fee. No obligation.

Compare your options

Tell us about the house. We pass it to independent local buyers and licensed agents so you can compare. No obligation, and no charge to you.

We are not a real estate broker or agent. We connect you with independent local buyers and agents who may pay us a fee. No obligation. This form does not give you a value for your home.

How each option fits

A

Cash or as-is offer

A fast sale can make sense if there is equity and the time is short, but the timeline is set by your lender and the court process, not by us. Make sure any buyer's closing date works with your actual deadlines.

B

List with a local agent

If you have time and equity, listing usually brings the most money. A licensed agent can tell you honestly whether you have enough time.

C

Cleanout and prep first

If you are moving out quickly, a cleanout can free you from the work. It is optional. JUNKRUN estate cleanout is a separate local business we link to.

Steps that usually help

  1. Call a HUD-approved housing counselor (free) and the HOPE Hotline at 888-995-4673 before anything else.
  2. Read every notice from your lender and write down every date. In Massachusetts a mortgage lender generally must send notice and give you time to cure before foreclosing.
  3. If you decide to sell, talk to a real estate attorney first. Selling for less than you owe (a short sale) needs lender approval.
  4. Compare a cash offer, an agent's market opinion and what your counselor recommends.

Watch out for

  • Be cautious of anyone who offers to "save" your home for a fee, asks you to sign over the deed, or asks you to stop paying your mortgage. Those are warning signs of foreclosure-rescue scams.
  • Before paying or signing with anyone who offers foreclosure help, check with a counselor, an attorney or the Attorney General's office. Do not sign anything a counselor or attorney has not read.
  • Never pay upfront fees to anyone promising to stop a foreclosure.

Questions

Can you stop my foreclosure?

No. We do not stop foreclosures, negotiate with lenders or give legal advice. A HUD-approved counselor and an attorney can tell you your real options.

Do you charge me anything?

No. We never charge homeowners and never ask for upfront money. Buyers or agents may pay us a fee if you choose to work with them.

Official sources

This page is general information, not legal, tax or financial advice. See the honest cash vs listing math.