Behind on Mortgage

The worst way to lose your house is through foreclosure.

Learn all your options and secure a backup plan.

Feel like you’re out of options?

If you have fallen behind on payments, then you already realize there is a problem. Being proactive increases your options!

Most people do not start planning until they are deep in foreclosure and about to lose their house. Many options can be expensive, time consuming, or rarely work. That’s where we come in. Our goal is to help you understand your best options before you make any decisions with your house.

Delinquincy Consequences

What happens if I keep missing payments?

If you continue to miss mortgage payments and aren’t able to work out a solution with the bank, you will likely be foreclosed on within 6 months following your first missed payment. We call foreclosure "the atomic bomb of credit scars" because it cuts the deepest and lasts the longest.

Foreclosure is the beginning of an eight to 10-year nightmare that can involve everything from:

Eviction by the sheriff
Job and career limitations
Embarrassing creditor battles
Deficiency judgments and lawsuits
Tax ramifications
Garnished wages
Loan qualification challenges
Loss in home equity
Typical Foreclosure Timeline

Foreclosure can happen in as little as 6 months following your first missed payment.

Foreclosure Timeline

Note: This is a representative example. The foreclosure timeline can vary on a case-by-case basis.

You're Not Alone

Approximately 4,000 Texans are foreclosed on every month.

Foreclosure is a devastating event. It can happen to anyone who falls on tough times, and thousands of families face it every month across Texas. For years, we have heard people say they are going to solve their mortgage problem with a loan from a family member or by hoping a loan modification gets approved. And every single month we see these houses being sold at the public auction and the family quickly gets evicted and their credit destroyed.

Don't be like the 4,000 homeowners getting foreclosed on each month. If you are behind on your mortgage payments, the best advice we can give is to act now!

Know Your Options

Everyone deserves to know their options.

Helping homeowners avoid foreclosure and learn their options is what we do best. We will work with you to find the best solution based on your situation and needs.

Get in touch with us today and together, we’ll find the best approach.

Take Action

Everyone deserves to know their options.

If you are still behind on mortgage payments, contact us today. We will help you take back control of your situation!

Enter the address of your property to get started.

Client Testimonials

People are talking about Morales & Stone

Miguel – Wylie, TX

I regret not working with Morales & Stone. Another company told me what I wanted to hear. I’ve lost my house to foreclosure and don’t know where to move my family.

Miguel – Wylie, TX
Dustin – Rockwall, TX

You guys are awesome! You found ways to overcome any obstacles that blocked us from closing on the property. I literally don’t think I could have done this with anyone else.

Dustin – Rockwall, TX
Jackie – Dallas, TX

I couldn’t find anyone to buy my house. I was behind on payments and owed more than the house was worth. I didn’t think I had any way out, but you guys found a way. I am forever thankful!

Jackie – Dallas, TX
Ruby, Morales & Stone Client
Everyone else was trying to run a game on me.
Play Watch Ruby's Story
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