Key points:
Delinquency Surge: FHA serious delinquencies hit 3.63% in Q4 2024, up 49 basis points from Q3 and 70 points from 2023 (MBA).
Key Struggles: High interest rates, inflation and joblessness are crushing FHA borrowers.
No Safety Net: Savings at 3.1% and debt eating 6% of income (Federal Reserve Board) leave homeowners vulnerable and at risk of foreclosure
What once looked like the best mortgage deal in the world is now alerting us that foreclosures are on the rise.
It’s 2025, and a big number of FHA mortgage holders are in deep water. The MBA’s Q4 2024 survey dropped a bombshell: serious delinquencies spiked to 3.63%, up 49 basis points from Q3 and a whopping 70 points from 2023.
This means that homeowners—often first-time buyers with lower credit—aren’t just stressed; they’re staring down foreclosure. With mortgage debt ballooning to $12.61 trillion (New York Fed, Q1 2025) and FHA loans taking the brunt, the clock’s ticking.
FHA loans are cracking under 2025’s brutal reality. Delinquencies climbed 22 basis points year-over-year, and serious delinquencies leaped 70 points (MBA). HousingWire says 235,000 FHA borrowers were still in forbearance plans by October 2024, but even those exiting can’t catch a break—45% blame natural disasters, 55% point to job loss or divorce.
The culprits? Sky-high interest rates at 6.64%, inflation at 2.6%, and a 4.1% jobless rate. Add savings stuck at 3.1% and debt swallowing 6% of income, and there’s no wiggle room. At this point foreclosure becomes inevitable for a lot of homeowners.
This is not the homeowners fault, it's not about responsibility, it's about an economic shift that has the traditional housing model in crisis. But what now? Are there any options to stop foreclosure? What can you do if you are at risk?
Enter Sell2Rent—a lifeline for homeowners on the edge. We are the experts at getting people out of foreclosure for good. We do business everywhere in the US and have helped hundreds facing foreclosure. Our solution is simple. It's our Sell and stay program: you sell your home to our investors, use the cash to wipe out foreclosure, avoid all the unsavory moments and stay as a renter. No foreclosure notice, no packing boxes—just a quick reset and a fresh start. You keep living in your home without the weight of a mortgage or ownership headaches like repairs and taxes. It’s quick, straightforward, and built for right now.
Here’s why it works:
Fast Action: We can close in as little as 15 days—outrunning foreclosure timelines.
Fair Deal: Our valuations top what wholesalers or realtors throw out, putting more equity in your pocket.We use real market data to give you a fair valuation.
No Moving: Stay as a renter for as long as you need. You decide when to move out.
Look, we get it—this isn’t for everyone. But if foreclosure’s knocking and you want a smart exit, Sell2Rent turns your home’s equity into a reset button. Pay off debts, ditch the stress, and stay where you are. It’s a 2025 survival plan.
Foreclosure doesn’t hit pause, and with delinquencies climbing, time’s running out. Economic pressures aren’t letting up—high rates, inflation, and shaky jobs are here to stay. Sell2Rent flips the script: cash out your equity, kill your debt, and keep your home without owning it. Don’t let foreclosure win.
Ready to take charge? Check out Sell2Rent’s How It Works page. See how we can stop foreclosure in its tracks and give you back your peace of mind.