Behind on Mortgage Payments in Virginia? 7 Smart Steps to Avoid Foreclosure Fast

Behind on mortgage payments in Virginia? Discover 7 actionable steps to avoid foreclosure and sell your home fast with no agent fees or repairs.

🏠 Behind on Mortgage Payments in Virginia? 7 Smart Steps to Avoid Foreclosure Fast

Life can change fast—job loss, illness, rising costs—and suddenly, you’re 2–3 months behind on your mortgage.

At Parlevu Global Services LLC, we specialize in helping Virginia homeowners stop foreclosure through fast, fair, off-market home sales.

If the letters from your lender are piling up, don’t panic. Take these 7 steps now to protect your equity and peace of mind.

📉 Introduction – Why Virginians Are Facing Foreclosure

The Commonwealth of Virginia has seen a recent spike in foreclosure filings—especially in:

• Norfolk

• Richmond

• Hampton Roads

• Northern VA suburbs

Why? Because many homeowners are:

• Overleveraged with high mortgage payments

• Still recovering from COVID-19 forbearance

• Dealing with inflation and job market instability

You’re not alone—and you do have options.

⏳ Step 1: Understand the Virginia Foreclosure Timeline

Virginia is a non-judicial foreclosure state. This means:

• Lenders don’t need court approval

• The process moves fast—sometimes as little as 60 days

• A public auction can be scheduled once default is declared

🔗 Learn About VA Foreclosure Laws – Nolo Legal Resource

🧾 Step 2: Know Your Legal Rights as a Homeowner

Even if you’re behind, the law protects you. In Virginia, you may:

• Request a loan reinstatement before sale

• Receive a Notice of Default (NOD)

• Have the right to cure the default up to the auction date

Talk to a HUD-approved housing counselor or reach out to our legal partners for help understanding your rights.

📞 Step 3: Communicate With Your Lender Early

Don’t avoid your lender. Call and ask about:

• Loan forbearance

• Loan modification

• Payment plans or short-term deferments

Most banks prefer to avoid foreclosure, so open communication can buy you time.

🏛️ Step 4: Explore Government Relief Options

Programs that may help:

• Virginia Mortgage Relief Program

• FHA Partial Claim Program

• VA COVID-19 Refund Modification

• Virginia Housing Development Authority: https://www.virginiahousing.com/en
• National Fair Housing Alliance: https://nationalfairhousing.org/
• Legal Aid Justice Center: https://www.justice4all.org/
• Visit: https://www.virginiamortgagerelief.com

But if these programs take too long or you’re denied, selling quickly may be your best move.

🏚️ Step 5: Consider a Fast As-Is Home Sale

If keeping the home isn’t realistic:

• Selling as-is avoids more damage to your credit

• You may still walk away with cash in hand

• No agent fees, commissions, or repairs required

📍 Parlevu Global Services LLC – Sell Your House Fast

🤝 Step 6: Work With Trusted Virginia Home Buyers

We buy houses in:

• Richmond

• Fairfax

• Virginia Beach

• Alexandria

• Arlington

And we promise:
✅ No lowball offers
✅ Honest market evaluations
✅ Close in as little as 7 days
✅ Help with moving, paperwork, and stopping auction dates

📍 Our Google Profile | Alignable Reviews

⚠️ Step 7: Avoid Scams and False Promises

Beware of:
❌ “Foreclosure rescue” scams
❌ Lease-back fraud
❌ Companies with no online presence

Always verify:

• State business registration

• BBB or Alignable profiles

• References from past sellers

🔒 Work only with verified buyers like Parlevu Global Services LLC, who are committed to ethical, transparent solutions.

❓ FAQs – Dealing With Mortgage Default in Virginia

1. Can I sell my house even if foreclosure has started?

Yes, as long as the auction hasn’t happened, you can still sell to avoid foreclosure.

2. How fast can you buy my home?

We close in as little as 7 days and can postpone auction dates if needed.

3. Will I owe anything after the sale?

No. We pay closing costs and cover any remaining liens or taxes from the sale price.

4. What types of properties do you buy?

Single-family, condos, duplexes, inherited homes, and even damaged properties.

5. What if I have no equity?

We still may be able to help with a short sale or a creative cash offer.

6. Do I need a real estate agent?

No. Our process is direct-to-buyer, saving you 6% or more in commissions.

🧭 Conclusion – Get Back on Track Without Losing Everything

Being behind on your mortgage doesn’t mean you have to lose your home—or your sanity.

At Parlevu Global Services LLC, we provide:
✅ Fair cash offers
✅ Fast closings
✅ Zero fees
✅ Compassionate support

📍 Visit ParlevuGlobalLLC.com
📍 Schedule your free consultation today
📍 Check Google Reviews

You deserve a fresh start. Let us help you take that first step.