Help! I am behind on my Riverside, California home mortgage payments

In Riverside, California And Really Want Help: I Haven’t Paid The Last Few House Loan Payments On My House!

 Stop Foreclosure in Riverside , California

No More Hassles! Glymph Properties Buys Riverside, California Houses

Missed several mortgage loan payments? Whether you believe it or not… you can prevent foreclosure in Riverside even with numerous late home payments.

Missing payments on your home mortgage is like treading water in the middle of the Pacific Bermuda Triangle while being circled by sharks, having a person In the only life raft on the face of the planet throw a bag of rocks with “Riverside, California foreclosure” printed on it at your head.

Besides making the most recent payment, then you have to worry about playing catch-up on the mortgage loan payments you’ve missed and the fees… It can be daunting.

There are a few choices that can help you to avoid foreclosure in Riverside and maybe even keep your house, even if you’re behind on mortgage payments. Lots of homes in Riverside, California have been lost to foreclosure, but there are a number of ways to avoid it.


1. Chapter 13

Most see bankruptcy as the absolute last option. If you’re being crushed by lots of debt, bankruptcy can be a good way to negotiate with lots of lenders at once. It is a complex process. It will put all your creditors on notice and help you to negotiate a settlement. Your bank loan could be one of those. With that being said… it will leave a permanent mark on your credit history. Different lenders will treat your circumstances in different ways. You’d benefit from serious professional help- the best you can afford.


2. Reaffirm

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


3. Making House Affordable (MHA)

If your home 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.

With MHA, your mortgage loan payments and/or interest rates might be lowered even the principal balance (if your home is worth less than you owe). If you’re unemployed, you might be able to get your mortgage loan payments temporarily suspended or reduced.

MHA is a government program, so be prepared to deal with lots of paperwork. It is free money, but you’ll 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 this very issue. It’s possible. Get your interest rate lowered. Temporarily reduce or stop your mortgage loan payments. It’s in the realm of possibilities if you work hard and negotiate with your lender.

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

You have to work diligently to negotiate with a bank. You have to be relentlessly persistent. You have to be willing to let your pride go out the window. You are going to have to call, call again and again and again, and email. When you feel fed up and think ” they are not cooperating with me” you are going to have to swallow It and call again. Never, ever act rude. Ask for help from everyone you speak with, but do not sound entitled. Reassure the bank that you want to live in your home long term and explain your situation and provide supporting documentation.

If this is, in fact, a short-term situation and don’t want to give up your home, most banks would be willing to work with you. If you only missed a few payments, and want to keep your property, then sometimes the mortgage lender will just add the missed house loan payments back onto your loan. Your entire mortgage balance is practically nothing to them. Not even a drop in the ocean. Let them know that you need a little patience and that ultimately they will end up making a lot more cash in the end. The last thing that the banks want to do is foreclose because they’d lose a load of money. If you will meet them 1/2 way they’ll make it work with you.

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


5. Sell to an investor

Glymph Properties will help if you’re behind on your payments and need to sell your Riverside, California home. In certain circumstances, we may even be able to help you stay in your house.

We work with Riverside homeowners to find solutions to mortgage problems.

We’ll let you know what kind of assistance we can provide.


If you must sell a house near 92504, we can help you. We buy California homes like yours extremely fast.

Give us a call anytime 888-509-6267 Ext 4 or pay a visit to our website now-!

We’re glad to help you discover answers to your toughest questions concerning the Riverside, California real estate market, so please call us at 888-509-6267 Ext 4 and chat with us at any time.

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

Check Out Our Website -See how we buy houses fast!

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We are interested in purchasing houses in: 92501, 92503, 92504, 92505, 92506, 92507, 92508, 92509, 92518, 92553, 92557, 92879.


Looking to find more extremely high ROI properties to invest in… head over to our investor website or give us a call anytime at 888-509-6267 Ext 3 Riverside

Check out our investing articles to educate investors!


Trying to find a rent to own property… check out our rent-to-own website or give Glymph Properties a call anytime at 888-509-6267 Ext 5

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Check out our rent-to-own articles to educate renters looking to buy!


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