Rated 4.6/5 | Based on 82+ reviews

Late Mortgage Payments

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    Sell Your Bay Area House As-Is — Fast, Easy, & Hassle-Free

    Looking to sell your home in the Bay Area quickly and without stress? We buy houses as-is — no cleaning, no repairs, and no waiting around for agents or banks. You choose your timeline, and we handle the rest.

    • Sell As-Is
    • No Agents or Commissions
    • Fast & Flexible Closings
    • Cash Offers You Can Trust
    • We Pay All Costs

    $32M+

    Saved Fees

    1,000+

    Houses Bought

    100%

    Close Within Your Timeframe
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    Get a Cash Offer in Just 5 Minutes

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      Falling Behind on Mortgage Payments? We Can Help You Sell Fast

      Falling Behind on Mortgage Payments? We Can Help You Sell Fast

      Being behind on your mortgage is stressful — and the fear of foreclosure only adds more pressure. Whether you missed a few payments or you're already receiving notices from the lender, Twin Home Buyer can help you move forward with a fast and fair solution.

      We purchase homes throughout California as-is, even if you're months behind or facing default. Our goal is to help you avoid foreclosure, protect your credit, and regain control of your situation.

      Call us today at 510-800-1662 for a confidential, no-pressure conversation.

      GET A CASH OFFER TODAY

      Fast Cash Offers for Homeowners Behind on Payments

      When you reach out, we’ll collect a few details and schedule a quick walk-through of your property. After viewing the home, we’ll present a fair, no-obligation cash offer, regardless of how many payments you’ve missed.

      If you accept:

      • We can work with your lender
      • No closing costs
      • No commissions
      • No repairs or cleaning required
      • You pick the closing date

      We can close in as little as 7 days, helping you prevent foreclosure and avoid future late fees, penalties, or damage to your credit.

      We Buy Homes in Any Financial Situation

      Mortgage struggles happen for many reasons — and you're not alone. Twin Home Buyer helps homeowners throughout the San Francisco Bay Area — especially San Carlos, California who are dealing with:

      • Missed mortgage payments
      • Default notices
      • Pre-foreclosure
      • Loan modification denials
      • Unexpected financial hardship
      • Rising interest rates
      • Job loss or reduced income
      • Medical or family emergencies

      With 3 years of experience, we understand how time-sensitive and emotional these situations can be — and we’re here to make the process as easy as possible.

      A Fresh Start Without Foreclosure

      Falling behind doesn’t have to mean losing everything. Let Twin Home Buyer help you avoid foreclosure, pay off your loan, and move forward with confidence.

      Call 510-800-1662 today to receive your no-obligation cash offer.



      OUR PROCESS FREQUENTLY ASKED QUESTIONS SELL YOUR HOUSE FAST CONTACT US
      Friendly local home buying team
      HI, I'M JUAN DIAZ

      Let Me Help You Start Fresh

      Selling your house isn’t just about the property—it’s about giving you the freedom to move on without the stress and headache of a traditional sale.

      Whether you’re dealing with repairs, tenants, or a tight timeline, we’ve walked homeowners through situations just like yours. Here’s what we can help you leave behind:

      • ✓Not knowing who to trust or how to even start the selling process.
      • ✓Stress from constant repairs, high maintenance costs, and unexpected issues.
      • ✓Endless showings and strangers walking through your home week after week.
      • ✓Worrying about buyers losing financing right before closing.
      • ✓Selling your house as-is, on a timeline that actually works for you.
      Let’s Talk About Your Options
      ★★★★★
      Rated 4.7/5 | Based on 83+ reviews
      MEET JUAN, YOUR LOCAL HOME BUYER

      Need To Sell A Property Due To Late Mortgage Payments?

      My team and I buy properties in any condition,
      on your timeline, with no fees or repairs.

      If you're struggling with late mortgage payments—whether you're at risk of foreclosure, behind on payments, or dealing with financial hardship—we can help. We specialize in providing fast cash offers for homes, allowing you to move forward quickly and avoid the stress of losing your property. We offer a simple, no-obligation process so you can get the relief you need.

      We buy directly from you, without the hassle. No listings, no open houses, no cleaning or repairs required. You choose the closing date, and we’ll cover the typical closing costs, leaving you with more in your pocket.

      Ready to find out what your property could sell for despite late mortgage payments?

      Get My Offer →
      ★★★★★
      Rated 4.7/5 | Trusted by 83+ homeowners
      Juan headshot
      House image
      BENEFITS

      Why Homeowners Choose Us for Late Mortgage Payments

      Dealing with late mortgage payments doesn’t have to be overwhelming. We simplify the process, providing a fast, transparent, and stress-free experience.

      We Buy Properties Facing Late Mortgage Payments

      Falling behind on mortgage payments can create a stressful and challenging situation. Whether you're facing foreclosure, dealing with financial hardship, or simply want to avoid the burden of unpaid debt, we can help. Our cash offers are straightforward, firm, and designed to help you move on quickly — with no surprises, no pressure, and no lengthy negotiations.

      • ✓ Any situation, any condition
      • ✓ We handle properties with late mortgage payments
      • ✓ No repairs or clean-up required
      Happy seller headshot

      "I was facing foreclosure and behind on mortgage payments. Twin Home Buyer made the process so simple. They gave me a fair cash offer and handled everything from start to finish. I’m relieved to have moved on and avoided further stress!"

      John Smith ★★★★★

      Happy couple standing in front of their house
      House

      Skip the Hassle — Sell Your Home the Easy Way

      Selling your home doesn’t have to drag on for months or become a stressful, drawn-out process. Our simple, straightforward approach eliminates delays, confusion, and hassle—so you can get your cash payout quickly and move on to your next chapter with confidence.

      • ✓ No agents involved — avoid fees, commissions, and unnecessary delays
      • ✓ Straightforward cash offers — no surprises, no complications
      Happy seller headshot

      "Sometimes Change Is Scary , but it also can be a blessing in disguise. Twin Home Buyer made what could have been a stressful move an incredibly smooth and supportive experience. When they purchased our building, they not only compensated us for relocating but also provided housing accommodations and even sent us food once everything was settled. Not only did they listen but they delivered when it came to my whole family (my pets) they made sure we all got taken care of. Their commitment to fairness, generosity, and care for residents goes above and beyond. Highly, highly, highly recommended."

      Christina V ★★★★★

      We Don’t Play Games With Your Offer.
      And Yes — We Cover Every Closing Cost

      When you request an offer from us, you’ll get a fair, competitive cash price without the gimmicks. What we present upfront is exactly what you can expect — no last-minute fees, no surprises, and no awkward renegotiations. We also take care of all closing costs so you can move forward with confidence and peace of mind.

      • ✓ Fair, honest pricing — never inflated or “low ball” offers
      • ✓ We buy as-is — no repairs, updates, or cleanup required
      • ✓ All closing costs on us — you keep more money in your pocket
      Seller headshot

      "We couldn’t have asked for a smoother experience. John and his team were incredibly professional and kept us informed every step of the way. From the very first call, they made the entire process simple and stress-free."

      Darius Kyle Ballena ★★★★★

      Happy seller standing in front of house

      Twin Home Buyer vs. Realtors — The Clear Difference

      Here’s why homeowners prefer selling directly to Twin Home Buyer:

      Selling with Twin Home Buyer Selling with a Real Estate Agent
      Commission & Fees ✅ No commissions or listing fees. ✕ Seller typically pays about 6% in agent commissions.
      Closing Costs ✅ We cover most standard closing costs. ✕ Seller usually pays a portion of closing costs at the title company.
      Financing Contingency ✅ Cash offer—no bank financing, no loan fall-throughs. ✕ Buyer’s loan approval can fail and delay or cancel the sale.
      Repair Costs ✅ We buy as-is; you don’t make repairs or upgrades. ✕ Repairs are often negotiated after inspection and paid by the seller.
      Average Time to Sell ✅ Fast closing—often in days, not months. ✕ Homes can sit on the market for 60–90 days or more.
      Showing Requirements ✅ One quick visit from us (and partners if needed). ✕ Multiple showings and open houses until a buyer is found.
      Sale Closing Date ✅ You pick the closing date that works best for you. ✕ Closing is usually set by the buyer and lender’s schedule.
      Appraisal Required ✅ No formal appraisal needed for our cash offer. ✕ Most financed deals require an appraisal and can be delayed by it.
      ★★★★★ Rated 4.7/5 | Based on 83+ reviews
      Get Your Cash Offer Now
      The Fastest Way To Sell Your House for Cash

      The Fastest Way to Sell Your House for Cash

      At Twin Home Buyer, we offer you a hassle-free solution to selling your house, tailored to your needs. Whether you're looking to sell quickly or take your time, we are ready to provide you with a fast and fair cash offer with no obligations, ensuring a smooth and easy transaction.


      Benefits of Selling with Twin Home Buyer

      Receive an Offer in Just 7 Minutes

      Unlike traditional home-selling methods, you’ll get a fair cash offer from us in less than 7 minutes after your request. It's fast and efficient!

      Free Services

      We provide quick services and closing at no charge to you. With us, you can avoid the high costs usually associated with selling your home.

      Sell Your Home As-Is

      Don’t worry about repairs! We buy homes in any condition, so you can skip the expensive repairs and walk away with cash in hand.

      No Hassles with Twin Home Buyer

      No Commissions

      When you work with us, you don’t have to spend a percentage of your sale price on a realtor. We provide you with a direct cash offer, keeping more money in your pocket.

      No Cleaning Required

      Take your belongings and leave the rest to us. We handle the cleaning and other preparations for you, making the process stress-free.

      What Our Clients Say

      ⭐ Trusted by Homeowners Everywhere

      We’re proud that 92% of our customers rate their experience with us as excellent.

      Rafael P.

      ★★★★★

      Stress free process, paid all the closing costs and didn’t have to do any cleaning or repairs. Juan Diaz and team are men of their word. Very professional and respectful. The escrow process was a piece of cake. The best part is they close faster than any realtor listing the house ever could. If you’re looking for a no hassle way to sell your house quickly then I definitely recommend Twin home buyer and team.

      Robert R.

      ★★★★★

      I can’t speak highly enough about Juan Diaz and his team at Twin Home Buyer. I'm truly honored to be able to work with them and learn from them. Their professionalism, knowledge, honesty, integrity, and hard work ethics are very much admired and respected. They are highly experienced, detail oriented, honest, and truly care about their clients' needs. They deliver on their promises and go above and beyond to get the job done. I look forward to continuing to work with them. I recommend them 100%!

      Edgar R.

      ★★★★★

      Called Twin Home Buyer with questions about my property. They listened, offered honest advice, and followed up just like they said they would. Super kind and no pressure. I haven’t sold yet, but I’d definitely recommend giving them a call. Great people!

      Jose J.

      ★★★★★

      The twin home buyer was awesome to deal with although they did not buy my house. They recommended me over to an amazing realtor that was able to get top dollar for my property. They let me know upfront that it was not the right match that they could not help me, but it didn’t stop there this company generally cares

      Gabriela G.

      ★★★★★

      I've had the opportunity to work with Twin Home Buyer on a few occasions. And everytime has been a great experience. They do excellent work! Juan Diaz is Honest, trustworthy and very easy to work with. I always recommend him to my clients when they want a cash, quick close. I look forward to keep working with them in the future.

      Tewfik H

      ★★★★★

      I met with Juan Diaz on Saturday April 2nd and after showing him my property we sat down and discussed price. We finally agreed on a price that was not far off my asking. I felt strongly that Juan was genuine. He sent me a sale and purchase agreement that afternoon. I reviewed and had an advisor from HomeLight review it. The advisor said it was a "good agreement" and that it was "solid". I proceeded with the agreement on April 4th with up to 60 days to close. I may close sooner if I wish. Before meeting Juan I was dealing with two RE agents. One was great bit she overpromised the selling price, even when I presented her with contradictory comps. The other RE agent was pushy and persistent. Both agents wanted me to pour more money into the property. I felt that repairs and improvements were constantly draining my energy. What Juan gave me was a solution to my endless repairs and freedom from dealing with agents. He also alleviated my concerns by offering an Earnest Money Deposit of $50K. That's more than the standard $19.5K. He will also pay all the closing costs. All I would be responsible for is paying off the loan. I was almost immediately notified by the Title Company that the money was in Escrow. To sweeten the deal he also offered to have his guys move our stuff. I told him that I did not expect that but I definitely welcome it. Today someone dropped off 10 heavy duty boxes as I had requested. What more, there's is no need to clear out all of the junk that we accumulated over the years. That's a big help along with the 60 days. Moving is a stressful period in life and Juan made it that much easier. Now I will sit back and wait for an opportunity to buy again.

      Tewfik H

      ★★★★★

      Twin Home Buyer made selling my house simple and hassle-free. Their offer was fair, and they handled everything efficiently. I couldn’t have asked for a smoother experience!..

      Abbas M.

      ★★★★★

      Very seamless and professional. They do exactly what they say they would do. We work with a lot of sellers and I continue to refer to Juan and team for those who want to sell quickly and with the least hassle.

      Suzanne P.

      ★★★★★

      I had the pleasure of being contacted by one of the team members with Twin Homes. She was very pleasant to speak with and asked me to assist with the sale of one of their homes. She was prompt and available when I needed her. I later spoke with Juan Diaz who exemplified the values I stand for as a real estate professional. I have had such pleasant interactions with the entire team that I would always pick up the phone for them. If you have the opportunity to work on the buy or sale side I am sure you will be surprised with the communication and attention to detail they show. They have done the big and little things very well.

      Gabriela G.

      ★★★★★

      I've had the opportunity to work with Twin Home Buyer on a few occasions. And everytime has been a great experience. They do excellent work! Juan Diaz is Honest, trustworthy and very easy to work with. I always recommend him to my clients when they want a cash, quick close. I look forward to keep working with them in the future.

      Bianca C.

      ★★★★★

      What sets Twin Home Buyer apart is their personalized approach to customer service. The team took the time to understand my unique needs and provided tailored support and guidance every step of the way, ensuring a seamless selling experience. Overall, I couldn't be more satisfied with my experience with Twin Home Buyer. If you're considering selling your home and want a hassle-free, fair, and transparent process, I highly recommend reaching out to Twin Home Buyer.

      See All Reviews

      Twin Home Buyer Cash Transactions

      Leave More Money in Your Pocket

      Use our fee calculator to see how much you could save by selling your the Bay Area home for cash. You might be surprised how quickly the costs of selling the old fashioned way start to add up.

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