Falling Behind on Your Pittsburg Mortgage? Here’s What to Do
Missing mortgage payments in Pittsburg, CA can quickly spiral from stressful to serious. Whether it started with a job loss, unexpected expenses, or rising living costs, it’s easy to feel overwhelmed when the bank starts sending notices.
If you’re behind on your mortgage — or just know you’re headed that way — you still have options. One of the most effective solutions? Selling your house as-is to a local Pittsburg cash home buyer before foreclosure hits.
What Happens When You Miss Payments?
Here’s the typical foreclosure timeline in California:
- 30+ Days Late: You’ll receive late notices and fees
- 90+ Days Late: The lender may issue a Notice of Default (NOD)
- 120+ Days Late: You’re at risk of foreclosure auction
- Post-Auction: You lose the home and may owe a deficiency balance
Once the foreclosure is recorded, your credit can take a major hit for up to 7 years.
Option 1: Request a Loan Modification or Forbearance
You may qualify for a loan adjustment or temporary pause in payments, especially if you’re still employed. But many homeowners are either denied or find the process too slow or complicated to provide real relief.
Option 2: Refinance or Rent
If you have enough equity and solid credit, you could try to refinance — but it’s rarely approved once you’re already behind. Renting the house might help, but not if it needs repairs or you can’t manage tenants.
Option 3: Sell to a Pittsburg Cash Home Buyer Before Foreclosure
At R&H Distressed Properties, we work with homeowners in Pittsburg who are in pre-foreclosure or behind on payments. We buy homes fast and as-is, helping you avoid foreclosure and walk away with cash in hand.
✅ We buy houses with missed payments or foreclosure notices
✅ You pay no agent fees, commissions, or closing costs
✅ We handle liens, back taxes, and paperwork
✅ Close in 7–14 days, before the bank takes action
Whether you’re in Bay Point, Central Pittsburg, or Oak Hills, we’ll make a fair offer and help you get back on track.
Don’t Wait for the Bank to Decide Your Future
Every day counts. If you’re behind and feeling stuck, selling now gives you control — and a chance to move on without wrecking your credit or dealing with an eviction.
👉 Get your pre-foreclosure cash offer now
📞 Or call/text us at (925) 302-2905
FAQ – Behind on Mortgage in Pittsburg, CA
Can I sell if I’ve received a Notice of Default?
Yes. We help sellers avoid foreclosure even after the NOD is filed.
Do I need to catch up on payments before selling?
No. We’ll pay off the loan and any back payments at closing.
What if my house needs repairs?
No problem. We buy homes in any condition — no repairs required.
What neighborhoods in Pittsburg do you buy in?
All of Pittsburg — including Marina Walk, West Pittsburg, Bay Point, and Oak Hills.