Behind on mortgage Las Vegas · Cash buyer since 2006

Behind on Payments. You Still Have Options.

Missing mortgage payments does not mean losing everything. A fast cash sale can pay off what you owe, stop the clock on foreclosure, and put money in your pocket instead of nothing. Mickey Griffin has helped Las Vegas homeowners in this exact situation for 20 years.

See what I can walk away with Not a talker? Text 725-400-9900

Tell us your situation

Confidential. No obligation. Mickey responds fast - typically same day.

Confidential. We do not share your information. By submitting you agree to be contacted at the number provided.

What being behind on payments means

The earlier you act, the better your outcome.

Falling behind on mortgage payments happens. Job loss, medical bills, divorce, a business that did not work out. Whatever the reason, the situation is the same: every month that passes makes the options narrower and the outcome worse.

When you miss payments, the lender eventually begins the foreclosure process. In Nevada, that process has specific timelines. Once it starts, your ability to sell the home and walk away with something begins to shrink. By the time of the auction, you walk away with nothing.

A cash sale stops that process. The sale pays off the mortgage at closing. Whatever equity remains after the payoff goes to you. And unlike a foreclosure, a voluntary sale does not follow you on your credit report the same way.

Mickey will walk through the estimated numbers on the first call. What the home is worth, what you owe, what you walk away with. No surprises. Just a clear picture of your options.

Mickey is a cash buyer, not a financial or legal advisor. For advice specific to your mortgage situation, consult a HUD-approved housing counselor or attorney.

What Mickey calculates on the first call

What the home is worth repaired $X

Minus repairs and Mickey's margin -$X

Mickey's cash offer $X

Minus your mortgage payoff -$X

Cash in your hand at closing $X

Every home is different. Mickey shows you the real numbers on the first call so you can make an informed decision. No pressure.

How it works

Three steps. Fast close. Clean outcome.

Tell Mickey your situation

Leave your phone number and address. Tell him how far behind you are. Mickey aims to call you back the same day. He asks about the property, your mortgage balance, and your timeline. Private and confidential.

Get the real numbers

Mickey reviews the property and comparable sales, calculates what he can offer, and walks you through exactly what you would net after the mortgage payoff. Fair offer typically within 24 hours. No pressure to accept.

Close before it gets worse

Most closings happen in 7 to 21 days. The mortgage is paid off at closing. Whatever remains goes to you. A completed sale before auction date may halt the foreclosure process - consult your attorney regarding your specific situation. Your credit takes the hit from missed payments, not from a foreclosure.

What Mickey promises

Four promises. Every situation. No exceptions.

We show you the real math before you decide anything.

Mickey walks through the exact calculation on the first call. What the offer is, what your payoff is, what you walk away with. You make an informed decision with real numbers in front of you, not a vague promise about a fair offer.

Our offer does not change after you sign.

Our commitment is that the number in the purchase agreement is what we work to deliver at closing. We do not re-trade after inspection or come back with a lower number after you have already said yes. At 1660 Capistrano Ave we did not walk the property the way we should have. When our crew opened the walls they found structural issues that ran the rehab nearly $80,000 over estimate. We closed on the date we promised and the seller received every dollar we agreed to. We took the loss. That is what privately funded means.

We move as fast as your situation requires.

If you have received a notice from your lender, tell Mickey on the first call. He works toward the fastest close the situation allows. Most closings happen in 7 to 21 days. The sooner you call, the more runway there is to work with.

We buy with private funds. When we sign, we close - barring title defects outside our control.

No banks. No lender delays. No financing contingencies. When Mickey puts your home under contract, the funds exist to close it. You cannot afford a buyer who loses financing when time is already short.

Common questions

Homeowners behind on payments ask us these.

Can I sell if I owe more than the house is worth?

If you owe more than the home is worth, a standard cash sale will not cover your mortgage payoff. In that situation, a short sale may be an option, which requires lender approval and has a different process. Mickey is a cash buyer, not a short sale specialist. He will tell you on the first call whether the numbers work for a standard sale. If they do not, he will say so directly rather than waste your time.

How does selling affect my credit compared to foreclosure?

Missed payments already affect your credit regardless of what happens next. A completed sale, even at a loss, is reported differently than a foreclosure. A foreclosure stays on your credit report for seven years and causes significantly more damage than a voluntary sale. If the numbers work for a cash sale, that outcome is almost always better for your long-term credit than letting the foreclosure process run its course. For advice specific to your credit situation, consult a credit counselor or attorney.

What if I have already received a notice from my lender?

Call Mickey today. Once a Notice of Default is filed in Nevada, the clock is ticking. There are specific legal timelines before an auction can be scheduled. Depending on where you are in that process, there may still be enough time to complete a cash sale before the auction date. Mickey will tell you honestly on the first call whether a sale is still possible given your timeline.

How fast can you actually close?

Most closings happen in 7 to 21 days from a signed purchase agreement. If your situation requires closing faster, tell Mickey on the first call and he will work toward the fastest timeline possible. The sooner you reach out, the more time there is to work with.

Is this confidential?

Yes. We never list the property publicly. No MLS. No for-sale sign. No public marketing of any kind. The only people who know about the transaction are you, Mickey, and the title company. The sale is recorded publicly after closing like any other real estate transaction, but there is no public advertising before that point.

Will your offer change after I accept?

No. Our commitment is that the number in the purchase agreement is what we work to deliver at closing. Mickey does his homework before making an offer and stands behind it. At 1660 Capistrano Ave we did not walk the property the way we should have. When our crew opened the walls they found structural issues that ran the rehab nearly $80,000 over estimate. We closed on the date we promised and the seller received every dollar we agreed to. We took the loss. That is what privately funded means.