I got several past due notices. I would like to keep my Honolulu, Hawaii house. What can I do?

Missed Some Bank Payments On My Honolulu Property – I Seriously Want Assistance!

 immediately Sell a property in 96813

Behind on mortgage loan?

Late on your house loan…Read through this article for a couple of helpful hints on what you can do to prevent and prevent foreclosure.

Nightmarish. We hear the ridiculous stories all the time about the sense of forthcoming disaster that swamps homeowners when they miss a couple of property payments in a city like Honolulu that’s known to have a ridiculously high foreclosure rate.

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

If you are significantly behind on house loan payments there are a few options that can help you to avoid foreclosure in Honolulu, Hawaii maybe even sell your house. So many Honolulu properties have been swiped via foreclosure, but there are numerous ways to avoid it.

1. Chapter 11

Typically, this is the last thing you want to do. However, negotiating with all of your lenders at once will diminish a ton of stress. It won’t make your home loan disappear altogether, but it will put you on a path to eventually walk away. You wouldn’t come out unscathed, but you will survive. Every lender has its own process that it follows for bankruptcies. You’d benefit from serious professional help- the best you can afford.

2. Reaffirm

This can be a good card to play, but it may come with some unseen penalties. If you reaffirm your commitment to make your home loan payments, you have to make your payments. If your Honolulu, Hawaii property is auctioned, an affirmation could cause extra responsibilities.

3. Making House Affordable (MHA)

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

With MHA, your house loan payments and/or interest rates might be lowered even the principal balance (if your home is worth less than you owe) . 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. This “free” money isn’t completely free… you’ll have to pay for it with your time and energy.

4. Hammer out a deal

Lots of lenders routinely offer some level of assistance. It’s possible. Get your interest rate lowered. Temporarily reduce or stop your bank 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 are a few mortgage payments behind you probably won’t qualify for an interest rate reduction.

Brutal. That is the best word to describe the typical experience most people have when negotiating with their mortgage lender. Perseverance. Tenacity. Strength of mind. You have to have them all in order to get through all the red tape. Never, ever be rude. It is a balancing act. Ask for help from anyone in a position to help, but don’t be irritating. Reassure the bank that you want to live in your house long term and explain the situation and provide supporting documentation.

Here is some insight on a little known secret. Lenders and banks are not in the real estate business they are in the money lending business. They do not want to be stuck with a home that they’re not properly equipped to handle. They don’t want you to lose your home, so you can continue paying them. If you only missed a handful of payments, and want to keep your house, then sometimes the loan provider will just add the missed mortgage payments back onto your loan.. Your home loan balance is almost nothing to them. Not even a grain of sand in the Arabian Desert. Let them know that you need patience, and that when it’s all said and done they will end up making a lot more revenue in the end.. Choosing to take a significant loss isn’t on the agenda for the lenders. They don’t want to put your property into foreclosure because they know that if they put in the effort to work something out with you they’ll earn a massive profit in the end.

If a lender can say no to someone like you who needs their help, then realistically they’ve forgotten how their industry turns profits and just need a little help remembering.

5. Contact a local Honolulu , Hawaii investor

Glymph Properties can help if you’re behind on your payments, and need to sell your Honolulu home. Depending on your circumstances, if you would like we may even be able to help you stay in your Honolulu house.

We work with property owners in Honolulu to find solutions to foreclosure problems.

Don’t be concerned. Give us a call. We will let you know if we can help or not.


If you have to get rid of a property near 96813, we should bea ble to help you. We buy Honolulu, Hawaii 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 Honolulu, Hawaii property for cash- www.GPBuyshomes.com!

Our company is very happy to help you find answers to your toughest questions regarding Honolulu, Hawaii real estate, so please get in touch with us at 888-509-6267 Ext 4 and chat with us 24/7/365.

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

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We buy properties within 75 miles of the following zip codes: �96822.


Are you looking to find other extremely high ROI properties to invest in… stop by our investor website or give us a call anytime at 888-509-6267 Ext 3

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