Behind On Property Loan Payments… How Can I Keep My Boise, Idaho House Fast?

Missed Some Loan Payments On My Boise Property – I Need Help!

 Avoid foreclosure now in Boise


Missed a number of payments and need a few ideas to prevent and avoid foreclosure on a Boise, Idaho home then read this article.

Nightmarish. We hear the sob stories all the time about the sense of coming tragedy that swallows people when they fail to make several home loan payments in a foreclosure happy city like Boise, Idaho that is known for auctioning people’s houses off.

Not only making the most recent payment, then you have to worry about playing catch-up on the payments you have missed and the fees… It can be daunting.

If you are in Boise, Idaho and behind on a few mortgage loan payments, there are a few things you can do to avoid foreclosure. Lots of houses in Boise, Idaho have been lost to foreclosure, but there are many ways to avoid it.

1. Signaling with the white flag

Most people see bankruptcy as the absolute last option. If you are being crushed by a load of debt, bankruptcy can be a good way to negotiate with lots of creditors at once. It is a complex process. It will put all your creditors on notice and help you to negotiate a settlement. Your mortgage loan could be one of those. With that being said… it will leave an everlasting mark on your credit history. Every lender has its own process that it follows for bankruptcies. If you are considering bankruptcy, our advice would be to get professional help.

2. Reaffirm

Doing so can buy you more time, but may come with more penalties. Basically, reaffirming the loan is an additional commitment to pay. In some states where it’s allowed, an affirmation can create additional liabilities if your property is auctioned off.

3. MHA Program

You might be able to participate in the MHA program if your home loan qualifies. 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.

With MHA, your mortgage payments and/or interest rates might be lowered even the principal balance (if your home is worth less than you owe). Suspended. Reduced. If you are unemployed this is definitely possible.

Like with anything having to deal with the government MHA is a government program so there is a ton of paperwork. It is free money, but you are going to have to jump through some hoops to get it.

4. Negotiate

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 home loan payment.

If there is even the slightest chance that lenders can make money from your situation they will steer you towards refinancing. If you can afford it, and all you are looking for is a temporary break from mortgage loan payments then this could work. But… just be aware that ordinarily by the time that you’re several payments behind you won’t qualify for a lower interest rate which is where the long term mortgage loan savings are.

Negotiating with the bank is like running a marathon, after a marathon, after an iron man. You have to have enough patience to watch concrete dry to get through all the bureaucracy. Don’t sabotage yourself by being impolite. Ask for help from everyone you speak with, but do not sound distressed. 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 seriously want to stay in your Boise property and make “nice” with the bank, just tell them. Your loan provider is exceedingly forgiving as long as you’re willing to work with them. If you only missed a number of payments, and want to keep your property, then sometimes the lender will just add the missed house loan payments back onto your loan. Over time your loan providers will more than double their initial cash outlay, so just ask and they will want to work it out with you. Banks are not in the business of losing profits, so they are exceptionally reluctant to foreclose on your property… they would wind up incurring a major loss. They don’t want to do it.

If a lender can say no to someone like you who needs their help, then realistically they have overlooked how their business turns a profit and just need a little help remembering.

5. Give up & Sell to an investor 

If you’re behind in your mortgage loan payments and want to sell fast, we will buy it. If you don’t want to sell but just need a little assistance, in some circumstances Glymph Properties can assist you.

Glymph Properties work with Boise, Idaho homeowners to find solutions to property foreclosure problems.

We’ll let you know how we can help.


If you really need to get rid of a home near Boise, we should be able to help you. We buy Boise, Idaho homes like yours quickly.

Give us a call anytime 888-509-6267 Ext 4 or take a look at our website today-!

Our company is very happy to help you get answers to your toughest questions about the Boise, Idaho real estate market, so please feel free to get in touch with us at 888-509-6267 Ext 4 and chat with us anytime.

Fill out this form or give Glymph Properties a call anytime at 888-509-6267 Ext 4 for a Reasonable Cash Offer -See how we buy homes fast!

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We are interested in acquiring houses within 75 miles of the following zip codes: 83702, 83703, 83704, 83705, 83706, 83709, 83712, 83713.


Do you need to find more high ROI investment properties or land… check out our investor website or give us a call anytime at 888-509-6267 Ext 3 Boise

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