No. Requesting and reviewing an offer is completely free, and there’s no obligation to accept it.
Sell your house due to medical bills
Get a fair cash offer and put the proceeds toward what you owe.
What to do if medical bills are more than you can afford
Medical bills can become overwhelming, especially when you’re already trying to keep up with everyday expenses. If you’re struggling to stay afloat, you may have options that can make the debt more manageable.
Ask about financial assistance: Hospitals and medical providers may offer aid programs or charity care. Ask the billing department if you qualify.- Set up a payment plan: You may be able to spread the balance over time instead of paying the full amount all at once.
- Talk with a medical billing advocate: A billing advocate may be able to help you review charges, identify errors, or understand your payment options.
- Consider your other resources: Depending on your situation, you may have savings, insurance benefits, or alternative funds that could help cover the bills.
- Consider selling your house: If your medical debt has become difficult to manage and you have equity in your home, selling may be one option for accessing money to put toward what you owe.
There isn’t one right answer for everyone. Take the time to understand your options and choose the approach that makes the most sense for your situation.
Why sell your house for medical bills with SellMyHouse.co
If you’ve decided that selling your house is the right choice, a cash sale can offer a more straightforward alternative to a traditional listing. You don’t have to spend money getting the property ready, wait for a buyer to secure a mortgage, or deal with the uncertainty of a sale that depends on financing. Instead, the process is fast. In many cases, homeowners hear back within 24 hours of requesting an offer.
- You don’t have to pay for repairs or get the house ready. A traditional sale may involve repairs, staging, cleaning, and showings before you can even get to the closing process. When you sell to a cash home buyer, you can typically sell the house as is, which means you don’t have to put more money into a property you’re already considering selling.
- You don’t have to wait on a buyer’s mortgage. With a traditional sale, the buyer usually needs to secure financing before the sale can close. If their loan is delayed or falls through, you could be left waiting longer than expected. A cash buyer doesn’t need mortgage approval to purchase the house, which can make the closing process more predictable.
- You can move on from the costs of owning the house. If you’re already struggling with medical bills, continuing to pay the mortgage, insurance, utilities, and upkeep on a house you no longer want can add to the burden. Selling can allow you to stop carrying those ongoing costs sooner.
- You’ll know what you’re being offered before you decide. If there’s little or no equity in the house after your mortgage and any liens are paid, selling may not provide enough to cover your medical debt. We can look at the property and make an offer, then you can decide whether it makes sense for you. There’s no pressure to accept.
Medical debt is already a lot to manage. If selling your house is part of your plan, a cash sale can give you a way to move forward without taking on the time and expense of a traditional listing.
Get My Cash Offer
How the process works
Getting out from under medical debt is hard enough. Here’s exactly what happens once you request an offer.
STEP 01
Request your free cash offer
Share a few details about your house and your timeline.
STEP 02
Schedule a property visit
A cash home buyer visits the property as it is, with no repairs to pay for first.
STEP 03
Review your offer
Weigh it against what you owe and decide with no pressure.
STEP 04
Close on your schedule and get your funds
Pick a closing date that fits your situation.
When medical debt comes with other financial challenges
Medical bills can put pressure on other parts of your finances, too. Sometimes you have little or no equity left in your home, especially if you’ve borrowed against it to help cover expenses. In other cases, a job loss may have made it even harder to keep up with growing medical bills.
If you’re dealing with no equity in your home or a job loss has made it harder to keep up with expenses, we can help you explore your options. Find out what a cash buyer may offer for your house, then decide whether selling is right for you.
Frequently Asked Questions
Are there any fees to sell my house to you?
How fast can I sell my house for medical bills?
Most homeowners hear back within 24 hours of requesting an offer. From there, you close on your schedule.
Do I need to make repairs before selling due to medical bills?
No. A cash home buyer typically buys the house as is, so you don’t need to spend money on repairs before you sell.
What if there's a lien on my house from unpaid medical bills?
Liens typically get resolved as part of closing, using the sale proceeds. A title company or real estate attorney can confirm what liens exist on your property before you sell.
Will selling my house cover all my medical debt?
It depends on how much equity you have after your mortgage and any liens are paid off. If there’s little or no equity left, selling may not cover everything you owe.
Can I sell my house to pay off medical bills?
Yes. Many homeowners sell for exactly this reason. Once you close, you can use the proceeds toward whatever bills or debt you’re dealing with.
