Behind on Mortgage Payments in Hermitage, TN?
Get Your Cash Offer
Takes less than 30 seconds. No obligation.
How Does Selling Your House for Cash Work?
Three steps: tell us about the property, get a fair cash offer within 24 hours, and pick your closing date — anywhere from 7 to 60 days out. No repairs, no showings, no fees, and up to $10,000 advanced to you before closing — yours to keep if we back out.
Here is how homeowners behind on payments in Hermitage sell with EasyOffer:
Tell Us About Your Property
Enter your address and contact info. Takes 30 seconds.
Get Your Cash Offer
We analyze your Hermitage property and send a fair, no-obligation offer.
Close and Get Paid
Pick your closing date. We handle paperwork and pay all closing costs.
Tell Us About Your Property
Enter your address and contact info. Takes 30 seconds.
Get Your Cash Offer
We analyze your Hermitage property and send a fair, no-obligation offer.
Close and Get Paid
Pick your closing date. We handle paperwork and pay all closing costs.
Why Do Homeowners in Hermitage Choose EasyOffer?
Every missed payment in Hermitage adds late fees, damages your credit, and brings you closer to foreclosure. Lenders typically begin the foreclosure process after 90 to 120 days of missed payments. Selling now lets you pay off the mortgage, keep any remaining equity, and avoid the cascading consequences of inaction.
Hermitage is a suburban community within Nashville-Davidson County rather than an independent city, and its housing market trades at a discount to Nashville proper - buyers get more square footage per dollar here than almost anywhere else in the county. Median sale prices have run near $400K, down roughly 8% year-over-year as inventory rose and seller leverage softened. Homes still move in about 47 days. Steady rental demand, an aging 1960s-1980s housing stock, and the lingering footprint of the 2020 tornado create real value-add opportunity for investors and motivated-seller acquisitions.
We also serve property owners in nearby Green Hill, Mount Juliet, Hendersonville, and throughout Tennessee.
Where Do We Buy Houses Near Hermitage?
Hermitage takes its name from Andrew Jackson's plantation estate, which the 7th U.S. President owned from 1804 until his death there in 1845. The surrounding community grew up around the historic site about 10 miles east of downtown Nashville.
Neighborhoods We Serve
Tulip Grove
An established subdivision near the Andrew Jackson estate with mid-century brick ranches and 1970s-2000s homes, typically priced in the $350K-$500K range; popular with families seeking value and mature lots.
Hermitage Hills
One of the area's older neighborhoods off Lebanon Pike, with affordable 1960s-1980s brick homes generally in the $330K-$450K range; attracts first-time buyers and investors.
The Peninsula
A waterfront-oriented community near Percy Priest Lake with larger lots and homes ranging from roughly $450K to $700K+; appeals to buyers wanting scenic, recreation-focused living.
Highlands of Stone Hall
A newer master-planned community with townhomes and single-family homes, with attached housing often in the $240K-$430K range and detached homes higher; popular with commuters.
Villages of Riverwood
A large established subdivision off Central Pike with a mix of 1990s-2000s homes, generally $375K-$525K; one of the more consistently active resale markets in Hermitage.
Notable Landmarks
Andrew Jackson's Hermitage, the 1,120-acre National Historic Landmark estate and burial site of the 7th U.S. President · Tulip Grove Mansion, an 1836 Greek Revival home on the Hermitage grounds · Hermitage Golf Course, two 18-hole courses along the Cumberland River · J. Percy Priest Lake, a 14,000-acre reservoir on Hermitage's eastern edge · Stones River, which forms part of the community's southern boundary
Major Employers
Andrew Jackson Foundation - operates the Hermitage estate, a major tourism draw with roughly 200,000 annual visitors. · Summit Medical Center (HCA) - a full-service hospital in nearby Hermitage serving the eastern Davidson County area. · Hermitage Golf Course - a long-running recreation and events business open since 1986. · Numerous retail and service employers along the Lebanon Pike commercial corridor.
Top Schools
Getting Around Hermitage
Hermitage sits along Interstate 40 with quick access to Old Hickory Boulevard and Lebanon Pike (US-70). Downtown Nashville is roughly 10-15 miles west, and Nashville International Airport (BNA) is a short drive; WeGo bus service is limited and there is no rail.
Natural Hazard Awareness
Hermitage faces meaningful tornado risk - an EF-3 tornado devastated the Donelson-Hermitage corridor in March 2020. Low-lying areas near Stones River and Percy Priest Lake carry flood exposure, and the region sits in a moderate seismic zone tied to the New Madrid Fault.
Recent Developments
- •Hermitage and neighboring Donelson have continued rebuilding from the EF-3 tornado that struck on March 3, 2020, destroying hundreds of homes in the corridor.
- •Crestview by Meritage Homes and Tulip Hills by Beazer Homes ranked among the highest-volume new-home communities in Davidson County in recent years.
- •Ongoing townhome and attached-housing construction along the Highlands of Stone Hall and Central Pike corridors has expanded Hermitage's lower-priced inventory.
What Our Sellers Say
“My mom passed and I inherited her place in Antioch. It needed a ton of work and I live out of state so I couldn't deal with contractors or showings. They came out, looked at it, and had a number for me the next day. We closed in 9 days. The whole thing was so much easier than I expected.”
Inherited Property
“Honestly I was skeptical at first because I'd heard horror stories about cash buyers lowballing people. But they explained exactly how they came up with the number and it was fair. We were behind on payments and they got everything done in a week. No last-minute changes, no surprises at closing.”
Avoided Foreclosure
“My husband got transferred to Dallas and we had about three weeks to figure out the house. A friend told us about EasyOffer. They gave us a cash offer that same afternoon and worked around our move date. We closed 11 days later without having to do a single showing or open house.”
Job Relocation
Facing Foreclosure in Tennessee: Timeline, Rules, and Your Options
Tennessee is a non-judicial foreclosure state. Nearly all Tennessee home loans use a deed of trust with a power-of-sale clause, which lets the lender's trustee auction the property without ever filing a lawsuit. The process runs under Tennessee Code Annotated section 35-5-101 and following, and because no court case is required, it is one of the fastest foreclosure processes in the country — a foreclosure can be completed in as little as about two months after the lender formally starts it.
The public notice requirements are short. Under the version of T.C.A. 35-5-101 in effect since July 1, 2025, the trustee must advertise the sale at least twice in a newspaper in the county plus post a continuous 20-day online notice, with the first notice running at least 20 days before the auction date. Before that 2025 change, the rule was three separate newspaper publications. Either way, by the time a sale date is published, the auction is typically only three to four weeks away.
Tennessee gives borrowers very little protection once the process starts. State law provides no statutory right to reinstate the loan by catching up missed payments — reinstatement happens only if your loan documents or your lender allow it. And while Tennessee law nominally includes a post-sale right of redemption, virtually every deed of trust has the borrower waive it at signing, so in practice the auction is final. If the auction price does not cover the debt, the lender can also pursue a deficiency judgment for the shortfall.
Selling before the auction date is the main way a Tennessee homeowner keeps their equity. A sale that closes before the trustee's sale pays off the loan in full, stops the foreclosure, keeps a completed foreclosure off your credit report (where it can stay for about seven years), and puts any remaining equity in your pocket instead of leaving it to the auction process. A cash buyer matters here because the clock is short: no financing contingency, no appraisal, and a closing that can happen in as little as one to two weeks rather than the 30 to 45 days a financed buyer needs.
If you have received a notice of default or seen a sale date published, act immediately. Talk to your lender about options, contact a HUD-approved housing counselor, and consider consulting a Tennessee attorney about your specific situation — this page is general information, not legal advice.
How fast can a foreclosure happen in Tennessee?
Very fast. Because Tennessee foreclosures are non-judicial, the process can be completed in as little as about 60 days once the lender starts it. The required public notice period before the auction itself is only about three weeks. Federal rules generally require your loan to be more than 120 days delinquent before the lender begins, but once it begins, Tennessee moves quickly.
Can I still sell my house after the foreclosure sale date is published?
Usually yes, right up until the auction actually happens. If a sale closes and pays off the loan before the trustee's sale, the foreclosure stops. The practical problem is time — published notice means the auction may be only three or four weeks out, which is why sellers in this position typically need a cash buyer who can often close before a scheduled sale date. Ask your lender for an exact payoff figure immediately.
Can I get my house back after a Tennessee foreclosure auction?
Almost never. Tennessee deeds of trust almost universally include a waiver of the borrower's right of redemption, and there is no statutory right to reinstate the loan after the sale. For most Tennessee homeowners, the auction is final. Confirm what your specific deed of trust says with an attorney.
What happens to my equity if the house sells at auction?
Auction proceeds first pay the foreclosure costs and the loan balance. Any surplus legally belongs to you, but foreclosure auctions often bring less than market value, so equity frequently shrinks or disappears. Selling before the auction, even at a discount to a cash buyer, often preserves more equity than the auction would.
This section is general information about Tennessee law, not legal advice. Statutes and timelines change; consult a licensed Tennessee attorney about your situation.
Frequently Asked Questions
Can I sell my house if I am behind on mortgage payments?
Yes. As long as you still own the property, you can sell it. All missed payments, late fees, and the remaining mortgage balance are paid from the sale proceeds at closing.
How many payments can I miss before foreclosure in TN?
Most lenders in Tennessee begin the foreclosure process after 3 to 4 missed payments (90 to 120 days). However, timelines vary by lender and loan type. Acting sooner gives you more options.
Will I still owe money after selling if I am behind on payments?
If your home sells for more than you owe (including missed payments and fees), you keep the difference. If you owe more than the home is worth, we can negotiate a short sale with your lender.
What if the bank has already sent me a default notice?
A default notice means the clock is ticking, but you can still sell. We work fast and can close before the foreclosure process advances further. Contact us immediately to discuss your timeline.
Will selling hurt my credit less than foreclosure?
Significantly. A completed foreclosure can drop your credit score by 100 to 160 points and stays on your record for 7 years. A standard sale, even with missed payments already reported, is far less damaging.
Can I sell if I have a second mortgage or home equity loan?
Yes. All liens, including second mortgages and HELOCs, are paid off at closing from the sale proceeds. The title company ensures every lien holder is satisfied.