Updated September 2025
Guide: Kansas City Homeowners Struggling to Pay Their Mortgage
Losing a job, facing sudden income cuts, or dealing with financial strain can make it hard to keep up with your mortgage, home repairs, or everyday bills.
Scroll down to explore local guides and understand what selling your home after job loss or financial stress looks like in Missouri or Kansas.
Ready to talk about selling your home? We buy homes as-is. Get a free offer and start the conversation.
When should you sell your Kansas City home during financial hardship?
Here are some signs it could be time to consider selling:
Your mortgage or housing costs are more than 35% of your income. That is a warning sign of long-term financial stress. When most of your paycheck goes to housing, stability suffers.
You have stopped saving or contributing to retirement. If homeownership stops you from building a future, selling could give you a fresh start.
You are behind on taxes, HOA fees, or other bills. These can trigger liens, foreclosure, or legal action. Selling before these happen can protect your credit and options.
You worry every month about how to make ends meet. Financial anxiety is a real burden that affects many parts of life.
But what if you don't want to start over?
We understand selling your home can feel like giving up, especially if it holds memories and years of effort. Selling is not failure. It is choosing a better fit for this phase of life. Many people we help are not leaving empty-handed.
They are walking away with:
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Equity to start fresh
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Relief from mounting bills and stress
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The ability to rent a more manageable place
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Peace of mind and a chance to breathe again
You Don’t Need to Clean or Fix Anything
If you are behind on your mortgage, worrying about repairs or cleaning is the last thing you want.
We buy homes as-is, so you can:
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Skip cleaning and prep
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Leave behind anything you don’t want
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Close in as little as 10 to 14 days
We handle all paperwork, title, and lender communication so you don’t have to.
Blog: Selling a Home Fast in Kansas City
Our team offers tips and resources for homeowners facing financial hardships.
FAQ: Sell a Kansas City Home Fast During Financial Hardship
This FAQ answers the most common questions local homeowners face when selling due to financial hardship.
Can I sell my house in Kansas City if I lost my job and can’t make mortgage payments?
Yes. Even if you are behind on payments or have received a Notice of Default, you still legally own your home until it is sold at a foreclosure auction. Riverfront Home Buyers works with homeowners across Jackson, Clay, Platte counties in Missouri, and Wyandotte and Johnson counties in Kansas. We help you sell quickly, avoid foreclosure, and protect your credit.
What happens when I fall behind on payments in Missouri or Kansas?
If your mortgage becomes more than 30 days late, your lender may start charging late fees and report it to credit agencies. After 90 days, they may issue a formal Notice of Default. In Missouri, foreclosure proceedings may start as soon as 60 to 90 days after the notice. In Kansas, the foreclosure process typically begins in court and may take several months. It is important to act quickly to protect your options.
Can I sell my Kansas City home fast if I’m behind on payments?
Yes. Riverfront Home Buyers specializes in purchasing homes as-is, even for homeowners facing financial hardship. Our process is respectful and pressure-free. We aim to help you avoid foreclosure while closing as quickly as possible.
Do I need to repair or clean the house before selling?
Not at all. We buy homes in any condition, whether they are empty, need repairs, or still have belongings left inside. We take care of the clean-out so you can focus on your next step. Contact us at 816.448.8164 or fill out the form to request an offer.
What if I owe back taxes or still have a mortgage?
That is not a problem. Any back taxes or mortgage balance are paid off at closing from your sale proceeds. You will not need to provide money upfront. We handle communication with your lender and the title company to ensure a smooth closing.
Local Support Families Can Trust
Riverfront Home Buyers is a veteran-owned, family-run business in Kansas City and a BBB-accredited company with an A rating, trusted by local families across Missouri and Kansas.
TESTIMONIALS
“Alex and Stevie purchased a family home from us that had several heirs on it. They were very patient and great to work with.”
- LaJoyce R.
“They helped me sell my house fast ... down to earth.... regular people which was truly appreciated”
- Marshall S.
Get a Cash Offer For your Kansas City Home
If you are facing financial or legal stress in Missouri or Kansas, there is still time to make the right move for yourself and your family. We offer confidential help for situations involving bankruptcy, foreclosure, tax liens, or hardship.
Riverfront Home Buyers provides guidance and a straightforward process. Call 816.448.8164 or click to get an offer.