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Behind on Payments? Why We Buy Houses Fast in Pre-Foreclosure Across Omaha
If you’re behind on your mortgage payments in Omaha, you’re not alone, and you’re not out of options either. Life happens. Maybe it’s a job loss, divorce, illness, or just a few unexpected bills that put you behind. Whatever the case, falling behind on your mortgage can feel like a sinking ship. But it doesn’t have to end in foreclosure.
At Beard Bros Build Co, we help Omaha homeowners in pre-foreclosure sell their homes fast for cash, without stress, repairs, or agent commissions. This blog will walk you through what pre-foreclosure means, what your rights are, and how selling your home to a local cash buyer like us can help you move forward before it’s too late.
What Does Pre-Foreclosure Mean?
Pre-foreclosure is the stage where your mortgage lender has started the legal process to reclaim the home due to missed payments, but the foreclosure has not yet been completed. In Nebraska, lenders can begin the foreclosure process once a borrower is 90 days delinquent on payments. You’ll typically receive a Notice of Default, which gives you a limited window to resolve the debt or sell the home before it’s officially foreclosed on.
This window is critical. If you’re still in pre-foreclosure, you can still sell your home, and that’s where we come in.
What Happens If I Do Nothing?
If you do nothing, the foreclosure process moves forward. Your lender will eventually schedule a sheriff’s sale (public auction). Once that happens, the chances of keeping your home or selling it on your drop significantly. Foreclosure will also:
- Damage your credit for 7 years
- Make it harder to rent or buy another home
- Potentially leave you with a deficiency balance if the sale doesn’t cover what you owe
In short, doing nothing isn’t your best move, but selling the home quickly could be.
Why Selling Your Home Fast Makes Sense
Selling your house before it’s officially foreclosed gives you a fresh start and helps you avoid the long-term damage of a foreclosure on your record. Many Omaha homeowners don’t realize that they still own their homes during pre-foreclosure, and they have the right to sell.
Here’s why working with a cash buyer like Beard Bros Build Co is the simplest solution:
1. No Delays
We don’t rely on banks, appraisals, or waiting periods. We buy houses with our cash, so we can close in just days, not weeks or months.
2. No Repairs or Cleanup
If you’re behind on payments, odds are you don’t have the budget to fix up your home. That’s fine. We buy houses as-is, whether they need a roof, plumbing, or a full gut job.
3. No Commissions or Fees
There are no agents involved, so you keep more of the sale. We even cover closing costs.
4. We Help with Paperwork
The legal side of pre-foreclosure can be confusing. We help walk you through what’s needed so you can sell with peace of mind.
5. We Work on Your Timeline
Need to sell this week? Need a few more weeks to move out? No problem. We can close when you’re ready.
Why Beard Bros Build Co Is Different
We’re not some national corporation trying to lowball you and disappear. We live here, work here, and invest right here in Omaha, NE. We’ve helped over 500 Omaha homeowners sell their homes fast and move on without the stress of foreclosure hanging over them.
Our co-founders, Neil and Dalton, understand the market better than anyone and are committed to making the process fair and transparent. We’ve even helped some sellers with moving expenses, junk removal, and more, because we know it’s about more than just a transaction. It’s about helping people through tough times.
How Much Time Do I Have?
On average, foreclosure proceedings in Nebraska take about 120 to 150 days from the initial notice. This gives most homeowners a 3 to 5-month window to take action, including:
- Reinstating the loan
- Modifying the loan
- Selling the home
- Filing for bankruptcy (a last resort for most)
If you choose to sell, we can make you an offer within 24 hours and close well before any auction date.
Why Not List with a Realtor?
Listing with an agent might work if you’ve got:
- Time to wait for showings, inspections, and appraisals
- Money for repairs or upgrades
- Flexibility to move after months on the market
But if you’re already getting foreclosure notices, you don’t have that luxury. Most traditional sales take 30-90+ days to close, and many fall through due to financing issues.
We’re here for homeowners who need certainty, not “maybes.”
Common Situations We Help With:
- Job loss or income reduction
- Divorce or separation
- Sudden medical bills
- Back taxes or property liens
- Inherited a house you can’t maintain
- Tired landlords facing eviction issues
No matter your situation, we’re here to make the process easy and fair.
What Happens After I Sell?
Once we buy the home:
- The foreclosure process stops
- The debt is paid off from the sale proceeds
- You get cash in hand to move on
- Your credit is protected from the worst effects of foreclosure
And remember: we’ll never pressure you to accept an offer. If it’s not the right fit, no hard feelings.
Real Omaha Stories
We’ve helped dozens of families in the Omaha area avoid foreclosure. One recent seller in Papillion reached out just 30 days before their home was scheduled for auction. We were able to visit the house the next day, make an offer, and close in just under a week. That homeowner walked away debt-free, with enough money to start fresh.
If you’re behind on payments and worried about foreclosure in Omaha, you still have options. Selling your house fast for cash can give you relief, preserve your credit, and help you avoid the painful and expensive foreclosure process.
At Beard Bros Build Co, we’re not just buying houses, we’re helping people get out from under a difficult situation with dignity and respect. Let’s talk today.
Contact Beard Bros Build Co at 402-810-8091 today for a no-obligation cash offer on your home. We buy houses fast in Omaha, even if they’re in pre-foreclosure.