Behind on Mortgage Payments in Virginia? Sell Before Foreclosure

Exterior of a Virginia home with past-due notices in the mailbox

“The Cash Offer Company”

If you’ve missed a mortgage payment—or several—it’s easy to feel overwhelmed. Maybe you’ve tried calling the bank. Maybe you’re getting letters you don’t understand. Maybe you’re just trying to figure out what to do before it’s too late.

You’re not alone—and you do have options.

At The Cash Offer Company, we help Virginia homeowners avoid foreclosure and take back control with fast, fair cash offers for their homes.

🏦 What Happens When You Fall Behind on Your Mortgage?

In Virginia, most lenders start the foreclosure process after 90 days of missed payments, but things can escalate faster depending on your loan and lender.

You may start receiving:

Late payment notices
Collection calls
Threats of foreclosure
A Notice of Trustee Sale

Once foreclosure starts, it moves quickly in Virginia—a non-judicial state, which means it doesn’t go through the courts. That’s why it’s important to act early.

🛑 Your Options If You’re Behind on Payments

Here’s what you can do if you’re falling behind:

Loan Modification – Request new payment terms from your lender
Forbearance – Pause payments temporarily (if you qualify)
Reinstatement – Catch up all missed payments at once
Refinance – Only possible if your credit and income still qualify
Sell your home before foreclosure begins – This is where we come in

Need more help? Check out these resources:

💡 Why Selling for Cash Might Be Your Best Option

If you’re out of time, behind on payments, or just don’t want to deal with banks anymore, a cash sale can stop foreclosure in its tracks.

When you sell your house to The Cash Offer Company, we:

Pay cash—no waiting on loan approval
Buy your home as-is—no repairs, no cleaning
Close in as little as 7 days
Work with your timeline and your lender
Help you avoid foreclosure and protect your credit

You may even walk away with cash in your pocket before the bank takes the house.

📍 We Help Homeowners Across Virginia

Whether you’re behind on payments in a city or a small town, we’ve got your back:

📞 Let’s Talk Before the Bank Takes Your Home

We know how stressful this is—and we’re here to help you breathe again.

📱 Call us at (804) 215-4004
📧 Email info@thecashoffercompany.com
💻 Request your no-obligation cash offer now

There’s no pressure and no cost to explore your options. Just good people who care and can actually help.

🛡️ Disclaimer

This blog is for informational purposes only and does not constitute legal or financial advice. If you are facing foreclosure, consult a licensed attorney or HUD-approved housing counselor.

Behind on Mortgage Payments in Virginia? Here’s What You Can Do