Common challenges
- Uncertainty about what the lender will actually do
- Feeling embarrassed or overwhelmed by the situation
- Not knowing which calls, letters, or offers are legitimate
- Running out of time as foreclosure timelines advance
Behind on Payments
Behind on payments? You have more options than you think.
If you've fallen behind on your mortgage, you're not alone — and you have more options than most homeowners realize. We help you understand each one clearly, privately, and without judgment.
- Takes about 60 seconds
- No obligation
- No pressure
Understanding Behind on Payments
A calm walkthrough of the situation.
The most important thing to know is this: doing nothing usually costs the most. There are almost always more paths available than 'sell fast' or 'lose the home' — the sooner you start exploring them, the more options you keep on the table.
Questions to consider
- How many months behind are you, and has the lender begun formal proceedings?
- Is there equity in the home?
- Have you spoken with the lender about loss mitigation or a repayment plan?
- Would staying in the home still be your first choice if you could?
Options available
Every situation is different — here are the paths most homeowners consider.
Loan modification or forbearance
Lenders often have programs to bring a loan current or adjust payments. This is usually worth exploring before anything else.
Reinstatement
If you can catch up the past-due balance, the loan returns to normal. Sometimes family, friends, or partial home equity can bridge the gap.
Traditional sale (if there's time)
When you have equity and time on the calendar, a traditional sale may protect the most value.
Direct sale to IVGI Properties
When time is short, a private, direct sale can help you avoid foreclosure on your record and walk away with dignity — and often with proceeds.
Mistakes to avoid
- Waiting until foreclosure is imminent to explore options
- Signing something you don't fully understand out of fear
- Ignoring lender communication — silence usually accelerates the timeline
How IVGI Properties Can Help
Guidance shaped around the situation you're actually in.
We approach every conversation the same way — quietly, respectfully, and with the intention of helping you find the right path, even if that path doesn't involve us.
We start by listening, without judgment.
We explain every option — including the ones that don't involve us.
We move quickly when time is short and slowly when it isn't.
We keep everything private.
Frequently Asked
Questions homeowners often ask us.
Direct answers to the questions we hear most often about behind on payments.
If I'm already in foreclosure, is it too late?+
Often it is not too late — but timelines vary by state. The sooner you understand your options, the more paths remain available.
Will this become public?+
Our conversations are private. Nothing about talking with us appears on any record or credit report.
Can I stay in the home if we work together?+
Every situation is different. In some cases, delayed possession or lease-back arrangements are possible. We'll always be honest about what's realistic.
Related Solutions
Explore related situations.
Seller Financing
Creative structures can unlock outcomes traditional sales can't. We explain how they work, in plain language.
Learn moreVacant Property
A home sitting empty can quietly become a burden. We help you turn it into a decision you feel good about.
Learn moreExploring My Options
Not sure what you want to do yet? Good. That's the right time to have a conversation. We'll help you think it through.
Learn moreSee If You Qualify
Take the 60-second IVGI Homeowner Assessment.
Take our 60-second IVGI Homeowner Assessment to see whether IVGI Properties is the right fit for your situation.