Falling behind on your mortgage can feel overwhelming — especially in a place like San Leandro, where the cost of living is high and financial pressures add up fast. Whether it’s due to job loss, unexpected medical bills, or rising interest rates, many homeowners in San Leandro are struggling to stay afloat.
If you’re feeling the weight of missed payments and the fear of foreclosure, take a deep breath. You have options — and you’re not alone.
Option 1: Talk to Your Lender About Forbearance or a Loan Modification
Many lenders offer temporary relief programs for homeowners who’ve fallen behind. You may be able to:
- Pause your mortgage payments (forbearance)
- Restructure your loan to lower your monthly payment (modification)
- Add missed payments to the end of your loan
Be proactive — the sooner you communicate, the better chance you have of avoiding foreclosure. But keep in mind, these options don’t always erase your financial burden — they just delay it.
Option 2: Rent Out Your Home
If your home is in rentable condition, becoming a landlord could help cover the mortgage. This can work short-term, but it comes with:
- Tenant management
- Property maintenance
- Potential eviction risks if rent isn’t paid
If your house needs repairs or you’ve never been a landlord before, this option may add stress rather than solve it.
Option 3: Refinance Your San Leandro Property
If you have equity in your home, refinancing might help by:
- Lowering your monthly payment
- Giving you cash out to catch up on bills
But if your credit has taken a hit due to late payments, qualifying for a refinance could be tough.
Option 4: Sell Your House Before Foreclosure
This is often the simplest and least damaging route — especially if you’re underwater on payments and don’t want to keep dealing with the stress.
At R&H Distressed Properties, we help San Leandro homeowners sell their houses fast, without agents, showings, or repairs. We buy homes as-is, even if you’re just days away from foreclosure. You get a fair cash offer, avoid the credit hit, and walk away on your terms.
Why Homeowners in San Leandro Choose Us
✅ We buy houses in any condition — even with mortgage defaults or code violations
✅ You pay no commissions or closing costs
✅ We can close in 7–14 days, or on your schedule
✅ We handle all paperwork and work with your lender if needed
✅ You can leave behind unwanted items — we take care of the cleanout
We’ve helped San Leandro homeowners in Mulford Gardens, Broadmoor, Washington Manor, and beyond get a fresh start. We’re local, trusted, and ready to help you too.
Facing Mortgage Trouble in San Leandro? We Can Help.
If you’re behind on payments, unsure what to do next, or scared of losing your home — let’s talk. We offer real solutions, not pressure. Even if you don’t end up selling to us, we’ll help you understand your options.
👉 Visit our San Leandro page to request a free, no-obligation offer
📞 Or call/text us anytime at (925) 302-2905
FAQ – Behind on Mortgage in San Leandro
Can I sell my San Leandro house if I’m behind on payments?
Yes. We regularly help homeowners sell before foreclosure. You can still get cash out — even with late payments.
What if I already received a notice of default?
You still have time. Selling fast can help you avoid foreclosure and protect your credit.
Do I need to make repairs before selling?
No. We buy houses as-is in San Leandro — no repairs or cleaning required.
Will you talk to my lender?
Yes. With your permission, we can help coordinate with your mortgage servicer and handle paperwork.
Which areas of San Leandro do you serve?
We buy homes in every San Leandro neighborhood, including:
- Broadmoor
- Floresta Gardens
- Washington Manor
- Old San Leandro
- Assumption Parish
- Estudillo Estates
- Mulford Gardens
- Bay-O-Vista