Sell for cash, as-isOften the best fit
2 to 4 weeks
typical, offer to close
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.
Your situation
Behind on mortgage payments
Talk to a free HUD-approved housing counselor first.
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.
Your likely path (our general read, not advice)
- Call a free HUD-approved counselor
- Learn your deadlines and your equity
- Compare a cash offer and a listing
First thing to know
Counselors are free and know the Massachusetts process and deadlines. We do not promise to stop a foreclosure, and we never ask for money upfront or for your deed.
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.
Your options
Three common ways to move forward.
List with a local agent
2 to 4 months
typical, prep to closing
If you have time and equity, listing usually brings the most money.
Cleanout first
By the job
written quote, before either route
If you are moving out quickly, a cleanout can free you from the work.
JUNKRUN is owned by the same people as Home Options MA. If you choose a cleanout, we may earn money from it. No obligation to use it. See JUNKRUN estate cleanout
A typical timeline
How long it usually takes.
Sell for cashabout 2 to 4 weeks
Counselor and lender firstOfferClose
Counselor and lender first, then offer, close.
List with an agentabout 9 to 17 weeks
Counselor and lender firstPrepListing and showingsContract to closeBuffer
Counselor and lender first, then prep, listing and showings, contract to close, buffer.
Counselor and lender first: Free HUD-approved counselors know the deadlines.
Estimates, not promises. A cleanout adds time before either route. See the honest math and sources.
Common questions
Straight answers.
General information, not legal, tax or financial advice.
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.
Full details
The longer version.
The short answer
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.
How each way fits, in full
Sell for cash, as-is. 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.
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.
Cleanout first. If you are moving out quickly, a cleanout can free you from the work. It is optional.
JUNKRUN is owned by the same people as Home Options MA. If you choose a cleanout, we may earn money from it. No obligation to use it. See JUNKRUN estate cleanout
Steps that usually help
- Call a HUD-approved housing counselor (free) and the HOPE Hotline at 888-995-4673 before anything else.
- 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.
- If you decide to sell, talk to a real estate attorney first. Selling for less than you owe (a short sale) needs lender approval.
- 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.
Official sources
- HUD-approved housing counselors
- Mass.gov: Avoiding foreclosure for Massachusetts consumers
- Mass.gov: Massachusetts law about mortgage foreclosure
This page is general information, not legal, tax or financial advice. See the honest cash vs listing math.
See both offers.
Start with the address. It costs nothing, and you can walk away at any point.
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.