I got multiple late notices. I prefer to keep my St. Paul, Minnesota property. Is there anything I can do?

Missed A Few Mortgage Payments On My St. Paul Property – I Sincerely Need Help!

 stop my foreclosure St. Paul , Minnesota

No More Hassles! Glymph Properties Buys St. Paul, Minnesota Properties

Missed a couple of mortgage loan payments? Surprisingly… you can stop foreclosure in St. Paul even with a lot of missed house payments.

Sinking. Powerless. Swamped. Done. Frustrating. That’s how anybody would feel when you get behind on your house loan in a city like St. Paul.

Bringing your Past-Due bank loan balance current can feel almost impossible, especially when you do not even know if you are going to be able to make this months mortgage loan payment.

If you are in St. Paul, Minnesota and behind on a few bank loan payments, there are a few things you can do to avoid foreclosure. A whole lot of houses in St. Paul have been lost to foreclosure, but there are several ways to avoid it.

1. Signaling with the white flag

Most see bankruptcy as the absolute last option. Bills piling up. You feel like you are being crushed. Bankruptcy would allow you to lift that burden all at once versus having to negotiate with each lender one on one. It will not make your bank loan disappear altogether, but it will put you on a path to eventually walk away. You won’t come out unscathed, but you will survive. Every lender has its own process that it follows for bankruptcies. Get the best professional help you can afford if you are filing bankruptcy.

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. If your St. Paul property is auctioned off, an affirmation could cause extra responsibilities.

3. MHA Program

If your house loan qualifies, you might be able to participate in MHA. If you have a loan backed by Freddie Mac or Fannie Mae then you have to be considered for the MHA. However, if you have another lender then it is up to their discretion whether or not they participate in the MHA program.

The principal balance on your mortgage and even your interest rates may be lowered if you are eligible for the MHA program. You might be able to get your house loan payments suspended or reduced if you are unemployed.

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

Most lenders offer some level of assistance. It’s possible. Get your interest rate lowered. Temporarily reduce or stop your home loan payments. It’s in the realm of possibilities if you work hard and negotiate with your lender.

The most common approach the lenders will take is to have you refinance, but just as an FYI, by the time you’re a few bank loan payments behind you probably won’t qualify for an interest rate reduction.

You have to work very hard to negotiate with a bank. Patience. Tenacity. Resolve. You have to have them all in order to get through all the red tape. Don’t sink your own ship by being rude. It can be a balancing act. Ask for help from anyone in a position to help, but do not be irritating. Explain the situation, offer supporting documents, and reassure the bank that you want to live in your property for the long term.

If there’s no way “on heaven or earth” you could be convinced to leave your home, then bank on the fact that most banks can be flexible. Playing catch up. Pretty much if you’ve only missed a small number of payments, sometimes your loan provider will just compile your missed payments back onto your balance. It’s all about the dollars with your loan company. Ask them for their help so that you can pay them what you owe them. They will not need to be reminded that they’ll end up doubling the money they lent you. Banks are not in the habit of losing money, so they are really reluctant to foreclose on your home… they would incur a massive loss. They would prefer not to do it.

That sounds obvious, but for some reason, bankers frequently forget it when saying no to a homeowner in need of a little leeway.

5. Sell to a local zip code investor

If you are behind in your mortgage payments and really need to sell fast, Glymph Properties will buy it. If you don’t want to go into foreclosure but just need a little assistance, in some cases Glymph Properties can assist you.

We work with property owners in St. Paul to find solutions to prevent foreclosure.

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


If you really need to get rid of a property near St. Paul, Minnesota, we can help you. We buy homes in St. Paul like yours extremely fast.

Give us a call anytime 888-509-6267 Ext 4 or fill out the form here today- http://www.GPBuyshomes.com!

Glymph Properties is glad to help you find answers to your hardest questions regarding the St. Paul housing market, so please feel free to give us a ring 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 Fast, Fair Cash Offer

Visit our website -See how we buy houses fast!

Check out our articles to educate sellers!


We buy real estate within 50 miles of the following zip codes: 55101, 55102, 55103, 55104, 55105, 55106, 55107, 55108, 55114, 55116, 55117, 55119, 55130.


Looking for help to find other extremely high ROI properties to invest in… have a look at our investor website or give us a ring anytime at 888-509-6267 Ext 3

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Are you searching for a rent to own property or house… visit our rent-to-own website or give Glymph Properties a call anytime at 888-509-6267 Ext 5

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