Help Save My home! I’m Severely Behind On My St. Louis Mortgage.

In St. Louis And Seriously Want Help: I Missed The Last Few Mortgage Payments On My House!

 stopping foreclosure St. Louis

No More Stress! Glymph Properties Bought My House in St. Louis, Missouri

Behind on home loan? Prevent foreclosure on your St. Louis home by reading this post.

When you get behind in your mortgage loan payments on your St. Louis house, it can feel like you are being consumed by debt.

Bringing your Past-Due house loan balance current can seem to be almost impossible, especially when you do not even know if you will be able to make this months house loan payment.

There are a few choices that can help you to avoid foreclosure in St. Louis, Missouri and maybe even keep your house, even if you are seriously behind in payments. A lot of properties in St. Louis have been lost to foreclosure, but there are a lot of ways to avoid it.

1. Chapter 7

No one really wants to file for bankruptcy. However, negotiating with all of your creditors at once will diminish a ton of stress. It is a ton of work, and it will not help you avoid your mortgage. Different creditors will treat your circumstances in different ways. If you are considering bankruptcy, our advice would be to get professional help.

2. Talk to your lenders – let them know you will definitely continue paying your loan as soon as possible

This could be a great way to keep the “hounds at bay”, but this could come with unforeseen problems. If you reaffirm your commitment to make your house loan payments, you have to make your payments. If your St. Louis, Missouri property is auctioned, an affirmation could cause extra responsibilities.

3. Making Home 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 house loan 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. It ain’t free money ‘ you gotta work for it.

4. Negotiate:

Call your lender. You’ll learn that nearly all of them have some sort of assistance for situations just like this. 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.

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

You have to work very hard to negotiate with a bank. You have to be doggedly persistent. Your pride kind of has to go out the window. You are going to have to call, call again and again and again, fax, and email. When you feel fed up and think ” they are shafting me” you’re going to have to swallow It and call again. No matter what happens, do not be rude. It truly is a balancing act. Ask for help from anyone in a position to help, but do not be critical. Explain your situation, offer supporting documents, and reassure the bank that you want to live in your property for the long term.

Here is some insight on a little reality… Mortgage lenders are not in the real estate business they are in the money lending business. They do not want to become landlords. They do not want you to lose your house, so you can keep paying them. Playing catch up. Pretty much if you’ve only missed a small number of payments, sometimes your bank will just tally your missed payments back onto your balance. Over time your loan providers will more than double their outlay, so just talk to them and they’ll want to work it out with you. The last thing that the loan providers want to do is foreclose because they would lose a heap of money. If you’ll meet them midway they will try to figure something out with you.

If a banker can say no to someone like you who needs their assistance, then obviously they have forgotten how their business turns a profit and just need a little help remembering.

5. Sell to an investor

If you’re behind in your payments and want to sell fast, we can help. Depending on your circumstances, if you would like we may even be able to help you stay in your St. Louis, Missouri house.

We work with house owners in St. Louis, Missouri to find solutions to prevent pre-foreclosure.

Give Glymph Properties a call and we will see what we can do for you!


If you really need to sell a home near 63106, we should be able to help you. We buy Missouri properties like yours quickly.

Give Glymph Properties a call anytime 888-509-6267 Ext 4 or fill out the form here so we can buy your St. Louis property for cash-!

We’re delighted to help you uncover answers to your hardest questions about St. Louis real-estate, 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 us a call anytime at 888-509-6267 Ext 4 for a Fast Cash Offer

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

Check out our blog!

We are interested in buying properties in: 63101, 63102, 63103, 63104, 63106, 63107, 63108, 63109, 63110, 63111, 63112, 63113, 63115, 63116, 63118, 63120, 63139, 63147.


Do you need to find other extremely high ROI properties to invest in… have a look at our investor website or give us a call anytime at 888-509-6267 Ext 3 St-Louis

Free investor resources!


Trying to find a rent to own property or home… check-out our rent-to-own website or give us a call anytime at 888-509-6267 Ext 5 St. Louis

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


If you’re looking to sell a property…You probably found our fantastic little website because you searched online for one or more of the following terms: the best-ranked home buyers St. Louis sell my place for cash St. Louis – quickly sell a house St. Louis, Missouri – we buy homes 63106 – sell my property quick 63106 – stop foreclosure St. Louis – home buyers St. Louis – foreclosure help St. Louis , Missouri cash for houses St. Louis sell my home fast St. Louis, Missouri house buyers St. Louis, Missouri stopping foreclosure St. Louis, Missouri cash for my house 63106 stop foreclosure now 63106 – stop foreclosure fast 63106 – selling a house in probate St. Louis, Missouri – stop my foreclosure 63106 – avoid foreclosure now 63106 – save me from foreclosure St. Louis


If you’re looking to invest in real estate…You may have discovered our wonderful little web site because you searched Yahoo for one of these key phrases:reo properties St. Louis bank owned properties St. Louis , Missouri foreclosure properties St. Louis income properties St. Louis , Missouri – multi-family properties for sale St. Louis , Missouri – foreclosure deals 63106 – cheap properties St. Louis , Missouri – discount properties St. Louis , Missouri – high roi properties in 63106 – high roi investments in 63106 cash houses St. Louis , Missouri cash houses in St. Louis , Missouri – discount real estate St. Louis , Missouri –


If you’re looking for a rent 2 own house…You more than likely stumbled upon this page because you searched online for one or more of the following keywords:houses for rent by owner 63106 – homes for rent by owner St. Louis – house for rent by owner St. Louis rent by owner St. Louis rent to own houses St. Louis , Missouri free rent to own listings St. Louis , Missouri rent to own homes in 63106 – rent to own real estate St. Louis – houses rent to own St. Louis – lease to own St. Louis – lease option St. Louis seller financed homes in St. Louis, Missouri


If you need an amazing investment opportunity… You may have found our page because you searched online for one of these terms:private lending St. Louis , Missouri – trust deed investing 63106 – trust deed investments 63106 – self directed ira for real estate St. Louis – how to become a private lender St. Louis private money lending guide St. Louis – ira real estate investment St. Louis – invest ira in real estate St. Louis – how to hard money lend 63106 – invest money St. Louis , Missouri


Learn more about the St. Louis, Missouri real estate with Zillow:

Get More Real Estate Market Info... Subscribe Below!

Learn more about us and find other resources on selling your house below. Like us, follow us, connect!

, , , , , , , , , , , , , , , , , , ,

No comments yet.

Leave a Reply