If you’re behind on your mortgage payments in San Mateo, it might feel like you’re running out of time and options. Maybe you missed one payment. Then two. Now the late fees are stacking up and the lender won’t stop calling. I’ve been there — and I want you to know that foreclosure isn’t your only option.
At R&H Distressed Properties, we help homeowners in San Mateo who have fallen behind on mortgage payments avoid foreclosure by offering clear, fast, and respectful alternatives. You don’t need to feel ashamed or stuck. You need a solution — and that’s what we’re here for.
What Happens When You Fall Behind on Your Mortgage in San Mateo?
Here’s what the typical timeline looks like in California:
- 30–60 days past due: You’ll receive late fees and lender notices
- 90 days past due: A Notice of Default may be filed
- Beyond 120 days: Foreclosure proceedings may begin, and you could lose your home at auction
But the earlier you act, the more control you have.
What Are My Options if I’m Behind on Payments?
You may still be able to:
- Reinstate your loan (if you can catch up in full)
- Negotiate a loan modification
- Refinance (harder once you’re behind)
- File for bankruptcy (this can delay foreclosure but has long-term effects)
- Sell your home before foreclosure
For many homeowners, the most realistic and least stressful option is a fast cash sale, especially when the mortgage can’t be caught up.
How We Help Homeowners in San Mateo Behind on Payments
At R&H Distressed Properties, we buy houses from homeowners who:
- Are more than 2–3 months behind on payments
- Can’t afford to reinstate the loan
- Want to avoid foreclosure or bankruptcy
- Need to sell quickly and move on
We can:
- Make you a fair cash offer within 24 hours
- Buy your house as-is — no repairs, no clean-up
- Help avoid foreclosure hitting your credit
- Close in 7–14 days or sooner if needed
- Work with your lender to settle what’s owed
There’s No Shame in Falling Behind. But There Is Help.
We’re not here to judge — we’re here to solve problems. Whether you’ve had a job loss, medical bills, divorce, or just rising costs of living… it happens. What matters is taking action now, before the situation gets worse.
📞 Call (925) 302-2905 or click here to request a free offer. We’ll explain your options, walk you through the process, and help you get out from under the pressure — fast.