Behind On My Mortgage Payments… How Can I Keep My Irvine, California Property?

I Missed Many Loan Payments On My Irvine House – I Really Need Guidance!

 save me from foreclosure Irvine , California

Sell Your Gorgeous or “Butt Ugly” House in Irvine, California ASAP!

Missed several house loan payments? Late on your house loan…Read this article for a few techniques on what you can do to prevent and avoid foreclosure.

Missed a couple of bank loan payments on my property in Irvine, California. “Honestly… it feels like the jackals are circling.”

Seriously… not only do you have to pay this month’s bill, but now you have to find a way to play catch-up and it ain’t like all the other bills in life just stop coming. If anything, when you are behind it just feels like even more bills come out of the woodwork.

If you’re behind on home loan payments there are a few options that can help you to avoid foreclosure in Irvine, California maybe even sell your property. A whole lot of homes in Irvine have been lost to foreclosure, but there are countless ways to avoid it.


1. Throwing in the Towel

Everyone is concerned about bankruptcy- it is usually a very difficult process. If you are being crushed by lots of debt, bankruptcy can be a good way to negotiate with lots of creditors at once. It will not make your mortgage disappear, but it will put you on a path to eventually walk away. You wouldn’t come out unscathed, but you will survive. Your mortgage creditor may handle the process completely different than someone else’s lender. So there is no way we could provide anyone with the exact process. Get the best professional help you can afford if you are filing bankruptcy.


2. Reaffirm

This can be a good card to play, but it may come with some unforeseen consequences. Basically, reaffirming the loan is an additional commitment to pay. If your Irvine property is auctioned, an affirmation could cause extra responsibilities.


3. Making House Affordable (MHA)

If your house loan qualifies, you might be able to participate in MHA. Any loans backed by Fannie Mae or Freddie Mac must be considered for MHA, and other lenders can choose to participate in MHA or not.

The principal balance on your mortgage and even your interest rates may be lowered if you are eligible for the MHA program. If you’re unemployed, you might be able to get your mortgage payments temporarily suspended or reduced.

Like with anything having to deal with the government MHA is a government program so there is a ton of paperwork. This “free” money isn’t completely free… you’ll have to pay for it with your time and energy.


4. Hammer out a deal with your bank

Call your lender. You’ll learn that nearly all of them have some sort of assistance for situations just like this. You have to work hard at it, but you might be able to get your interest rate reduced or a temporary reduction in your payment.

Most of the time, lenders will want to steer you to refinance your loan, but by the time you are a few payments behind, you probably do not qualify for a decrease in the interest rate.

Brutal. That’s the best word to describe the typical experience most people have when negotiating with their bank. Usually, it takes lots of calls and the patience to watch paint dry to get through the bureaucracy. Do not sabotage yourself by being obnoxious. It truly is a balancing act. Ask for help from anyone in a position to help, but do not act entitled. don’t give up. Explain your situation. Offer any supporting documents you have. Most importantly, let the bank know that you are fighting for your house because you plan on living there long term.

If you are in need of a short-term fix and want to keep your home, many lenders can be forgiving. Sometimes they’ll be open to adding several months of mortgage payments back onto the primary balance of your loan. Your mortgage loan balance is pennies to them. Not even a grain of sand in the Arabian Desert. Point out that you need patience, and that at the end they will end up getting a lot more revenue in the future.. The last thing that the lenders want to do is take your home because they’d miss out on a heap of money. If you’ll meet them midway they will try to figure something out with you.

It sounds obvious, but for some reason lenders apparently, forget it when they say no to someone in crisis.


5. Increase your credit score and sell your property quickly

Glymph Properties can help if you are behind on your payments, and need to sell your Irvine, California home. If you don’t want to go into foreclosure but just need a little assistance, in some situations we can help you.

Glymph Properties work with property owners in Irvine, California to find solutions to prevent pre-foreclosure.

Don’t stress. Give us a call. We’ll let you know if we can help or not.


If you have to get rid of a home near Irvine, we should be able to help you. We buy Irvine properties like yours fast.

Give us a call anytime 888-509-6267 Ext 4 or fill out the form here so that we can buy your Irvine, California property for cash-!

We’re happy to help you uncover answers to your most difficult questions about the Irvine real estate market, so please get in touch with us at 888-509-6267 Ext 4 and chat with us whenever.

Fill out this form or give Glymph Properties a call anytime at 888-509-6267 Ext 4 for a Reasonable Cash Offer

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