How Adagio Sold His Family's Macon House While Behind on the Mortgage

When Adagio called us, he and his father were trying to sell the family's five-bedroom house in Macon while getting ready to relocate. They had already lined up their next place. What they did not have was time: they had fallen behind on the mortgage, and a sale they had been counting on had fallen apart about a week before it was supposed to close.

Adagio was stressed and wanted out as soon as possible, but he was also clear about one thing. He wanted a real offer, not a number that would change at the last minute.

Why a house that needs work is hard to sell in Macon

Macon has plenty of buyers for move-in-ready homes. A larger, older house that needs a new kitchen, updated bathrooms and work under the floor is a different story. Buyers using standard loans often cannot finance a house in that condition, and buyers who can usually want a long list of repairs done first. For an owner who is already behind on payments, waiting months for repairs and a traditional listing is a risk of its own.

What Adagio and his father were up against

• Behind on the mortgage, with the worry that foreclosure could start if the house did not sell
• Two owners on title who both had to agree and both had to sign, while the family was in the middle of a move
• A dated kitchen and baths, standing water in the crawl space, and an older second heating and air system that had stopped working
• Past-due county fees on the property that had to be cleared before anyone could take title

How we solved each problem

• We made an offer on the house exactly as it was, so the family never had to fix, paint or repair anything
• We walked Adagio's father through the whole process on the phone, from the contract to the settlement statement, because he had never sold a house before
• As soon as the house was under contract, our team called the mortgage company, confirmed where the loan stood, and sent them the contract
• We marketed the house and handled every showing request so the family did not have to
• We arranged a mobile notary so Adagio could sign his closing documents wherever he was, without driving back to Macon
• Our closing attorney paid off the mortgage and the past-due county fees on the house out of the sale

It took longer than any of us wanted, but the house sold and the mortgage was paid off in full at closing. Adagio and his father were able to move on without a foreclosure on their record and without spending a dollar on repairs.

Thank you, Adagio, and thank you to your father, for trusting us with your family's house.

Behind on your mortgage in Macon?

You do not have to wait for a foreclosure notice to make a decision. We buy houses in any condition across Macon and can talk with your lender while we work toward closing. If you are late on mortgage payments or relocating, see how our offer works or read answers to common questions.

Tell us what you are dealing with and we will give you an honest number, with no pressure either way.