You’re Not Alone, And You Still Have Options
Falling behind on your mortgage can be a scary and isolating experience. Maybe you’ve missed a few payments, or perhaps you’ve already started receiving letters from the bank. Either way, there’s still time to take control, and we’re here to help.
At Ruvox, Inc., we’ve helped homeowners in your exact situation find a way forward without pressure or shame.
First Things First: What Happens When You Fall Behind?
If you miss a mortgage payment:
- The bank will usually charge a late fee.
- After 30–60 days, you may get a notice of default.
- After 90+ days, they can begin foreclosure proceedings.
But here’s the good news:
Foreclosure is a process, not an instant event.
The earlier you act, the more choices you have.
Common Signs You’re Headed Toward Foreclosure
- You’ve missed 2+ payments.
- You’ve received a “Notice of Default”
- You’re getting letters or calls from your lender.
- You feel overwhelmed or frozen.
Don’t wait until the court date. Take action now while the doors are still open.
Your Options If You’re Behind on Payments
Loan Modification – Request that your lender modify the terms of your loan.
Forbearance – Temporarily pause payments while you get back on track.
Reinstatement – Pay what’s past due and restart the loan (if you can).
Sell As-Is for Cash – If keeping the house isn’t realistic, we can buy it fast and help you walk away clean, with no more missed payments.
How We Help
- We’ll buy your house as-is – even if you’re in pre-foreclosure.
- We close fast, often in 7–14 days, before the bank takes further action.
- You pay no commissions, no fees, no repairs.
- We handle everything with discretion and respect.
You Still Have Time, But Don’t Wait
The worst thing you can do is ignore the problem.
The best thing you can do is have a quick, judgment-free conversation with someone who understands.