I Lost My Job or Have Money Trouble

and How to Make Sure I Can Stay Afloat
Struggling to Make Ends Meet?

Downsize With Ezer

Sudden loss of income is increasingly common these days, but that doesn’t make it any less difficult for those affected by it. Unemployment can often be unexpected, demoralizing, and, most of all, incredibly stressful.

If you’ve lost your job and can no longer afford to live in your house, you might feel like you’re sitting on top of a money pit with nowhere left to go. However, it’s important to remember that it will get easier, and there are things you can do right now to ensure a quick recovery for you and your family.

Ready to downsize and get started on your new game plan? Ezer can help relieve you of your current mortgage and get back on track. The best part? We pay you — not the other way around.

What To Do When You Can’t Afford Your House Anymore

Mortgage Options

Unfortunately, most lenders are not required. or even willing. to forgive missed mortgage payments due to unemployment. If you don’t have a mortgage forgiveness or forbearance agreement with your lender and don’t qualify for any government relief programs, one potential safety net is mortgage protection insurance.

MPI pays directly to your lender in the event of unemployment. Keep in mind, however, that you have to have had the policy before you lost your job, and that it only provides coverage in certain situations.

You might also be considering applying for a loan modification or refinancing your mortgage. While those are technically available options, attempting to do either of those things when you’re unemployed is nearly impossible and typically only delays the inevitable for a short time.

Should I Sell My House?

If none of these options seem viable for you and your family, it may be time to consider selling your house and downsizing to fit your current budget. While this is a difficult decision to make, it’s often the best one, especially if you aren’t sure when you’ll be able to secure your next source of substantial income.

You may be skeptical or unable to sell your house on the real estate market, which can take years and end up costing more than it’s worth. Luckily, you can sell to a cash buyer in its any condition, like Ezer, for no stress, no waiting period, and no red tape.

We’ll Buy Your House

We know you don’t have time to waste. You need to sell your house now, not six months from now. With Ezer, you don’t have to wait for your credit score to start taking hits—we can buy your house before you ever miss your first mortgage payment.

Once you contact us by clicking here or calling or texting us at (940) 257-6522, we’ll set up an appointment to view the house and get right to work on a cash offer. You don’t pay anything in commission fees or closing costs, and we’re able to settle in as quickly as a few days.

What Can I Do with My House in Texas?

Get in touch with us to get to speak with a specialist and learn about all your options.

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Common Problems
Job Loss Can Cause

Regardless of what you decide to do, it’s important to act quickly. Staying in a house when you know you can’t afford to pay bills or make mortgage payments is only going to make matters worse. Selling today can stop you from having to deal with increased financial and emotional stressors in the future.

Missed Mortgage Payments
Once you’ve lost your source of income, you’re on a tight budget. Even if someone else in the household is working, it can be difficult to afford a house on a single income. When it comes down to it, you may be forced to start missing mortgage payments. Unfortunately, that path eventually leads to foreclosure.

In pre-foreclosure now? Click here to learn more about your options.

Can’t Afford to Make Repairs

Even if you’re still managing to foot the bill on your mortgage payments for now, home repairs and renovations are expensive. If you’ve lost your job, you probably can’t afford to cover the cost of everything that needs to get done around the house. 

That’s bad news if you were planning to put the house on the real estate market since the majority of home buyers don’t buy “as is.”

The good news? We do. We’ll make the repairs ourselves, no matter how big or small — you don’t have to pay a dime. Click here to learn more about our fixer-upper-friendly approach to buying homes and other property types.

Liens Filed Against The House

Losing your income can also mean losing the ability to pay for things like taxes, hospital bills, and HOA fees. If you fall into significant debt, you may have one or more liens filed against your house. In addition to damaging your credit score, this gives your creditor partial ownership over your property until the debt is paid off, which may prevent you from selling your house in the future.

Can I sell my house with a lien on it? With Ezer, you can. Contact us today to learn more about your options.

Emotional Toll

Setting aside the pressing financial troubles that can come with a loss of income, sudden unemployment can also be emotionally and mentally taxing to come to terms with. The important thing to remember is that you aren’t alone.

If you’ve lost your job and are experiencing a negative mental or emotional impact as a result, we encourage you to seek support and prepare yourself to take it one day at a time.

Take Back Control With Ezer

Income loss is one of the most stressful things a person can deal with, but it’s not the end of the road. Your next steps are crucial. Selling your house to a cash buyer gives you the freedom to relocate to a more affordable property and make a lump sum profit off of your old one.

Need help moving or finding a new place? We can help with that too. Reach out today, and we’ll work together to find a personalized plan for you and your family.

I lost my job and can't afford my house payment

Need help with a money problem? Reach out! We can help.

Frequently Asked

Do I have to fix up my house?

No, we buy houses as they are, blemishes and brusies included.

Do I have to pay for anything?

Nope! We can pay for everything: closing costs, title costs, repairs. All of it.

Can I stay in the house after I sell it?

We are always willing to give you time to move. If you need help with the moving, we can work that out, too.

Do I need a real estate agent?

No, you (probably) don’t. We say probably, because if the best solution to your problem is to list your house on the MLS, we can provide an agent for you if you’d like.

What's the first step?

Simply fill out the form or give us a call. Everyone’s situations is different and we are here to help find YOUR best solution and there is never any obligation.

We focus on the best solution to your problem, not just our bottom line.


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