Payments and foreclosure pressure
Behind on payments in Phoenix? A cash sale is one option, not a stop button
If the mortgage, taxes, or other bills are behind, you can ask Rick Webb for a purchase offer. That request does not stop a trustee sale. Talk with a HUD-approved housing counselor or an attorney about the notice you have.
Or call (602) 320-9500. Call, text, or email 8 AM to 10 PM, 7 days a week.
Rick Webb is a licensed Arizona real estate agent. His broker is BMN Real Estate and Referral Services. He does not take listings and does not represent sellers. He buys homes as a principal for his own account: he puts a property under contract to purchase, may assign that purchase contract (his equitable interest) to another buyer, or buys, renovates, and resells. He acts as a buyer, not as the seller's agent. He may assign the contract or resell for a profit. Sellers may wish to consult their own agent or attorney.
What a buyer can and cannot do
Rick buys houses for his own account. He does not represent you, and he does not negotiate with your lender as your agent. If a written purchase can close, the payoff is handled in that closing like any other sale. If the numbers do not fit, or the sale date is too close, he will say so. A form on this website does not file anything with the lender or the trustee.
A cash purchase does not stop a trustee sale. It does not postpone a foreclosure, reinstate a loan, or erase a notice. Those are separate processes. A HUD-approved housing counselor can explain options that are not a sale. An attorney can explain the deadlines on the paperwork you received. Use those people for advice. Use this form only if you also want a buyer to look at the house.
What to tell us
- The address.
- Whether a sale date or a notice has been issued, and the date if you have it.
- Whether you still live there.
- Roughly what you owe, if you know. A guess is fine. Do not invent a precise payoff.
You can also read how a purchase works and selling without repairs. If the house is an estate, start with inherited houses and an attorney.
FAQ
Questions when payments are behind
Will selling to you stop a trustee sale?
No. A request for a cash estimate does not stop a trustee sale, pause a foreclosure, or cancel a notice. Only the steps your counselor or attorney explains, or a completed sale that actually closes, can change that situation. We will not promise a closing before a sale date.
Who should I talk to besides a buyer?
A HUD-approved housing counselor can walk through options that have nothing to do with selling. A real estate attorney can explain foreclosure deadlines in Arizona. Those conversations are separate from asking Rick for a purchase offer.
Can you buy if I still owe more than the house is worth?
Maybe, and maybe not. The loan payoff, liens, and the price a buyer can pay all have to fit in one closing. Tell us what you know about the balance. We will say if a purchase does not work. We will not invent a payoff.
Do you take over my mortgage?
No. Rick buys as a principal. A purchase is a new contract, not an assumption of your loan and not a listing. Your lender's rules still apply until the loan is paid or otherwise resolved.
Is this legal advice?
No. Nothing on this page is legal, tax, or foreclosure advice. Do not use it as a plan for a sale date or a notice you received.