I really want assistance! I Am behind on my own home loan on my Scottsdale, Arizona property.

I Missed A Couple Of Mortgage Payments On My Scottsdale House – I Seriously Want Assistance!

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Late on house loan? Behind on your mortgage? Check out this post for a couple of guidelines on what you can do to prevent and avoid foreclosure.

Worst nightmare. We hear the sad stories all the time about the sense of upcoming tragedy that swamps people when they fail to pay several home mortgage payments in a city like Scottsdale, Arizona that is known for auctioning people’s homes off.

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

If you are in Scottsdale, Arizona and behind on a few home loan payments, there are a few things you can do to avoid foreclosure. So many Scottsdale houses have been stolen via foreclosure, but there are several ways to avoid it.


1. Chapter 13

Most people see bankruptcy as the very last option. If you are being crushed by lots of debt, bankruptcy can be an excellent way to negotiate with lots of lenders at once. It is a ton of work, and it won’t help you avoid your mortgage loan. Different creditors will treat your circumstances in unique 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 can be a good card to play, but it may come with some unseen penalties. If you reaffirm your commitment to make your bank loan payments, you have to make your payments. In some states where it is allowed, an affirmation can create additional liabilities if your property is auctioned off.


3. MHA Program

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 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 mortgage loan payments suspended or reduced if you are unemployed.

Like with anything having to deal with the government MHA is a government program so there is a ton of paperwork. This “free” money is not completely free, you’ll have to pay for it with your time and energy.


4. Bargain with your bank

Call your lender. You’ll learn that nearly all of them have some sort of assistance for this very issue. You have to work hard at it, but you might be able to get your interest rate reduced or a temporary reduction in your bank loan payment.

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

Negotiating with the bank is like running a marathon, after a marathon, after an iron man. You have to be doggedly 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, fax, and email. When you feel fed up and think ” they are trying to fleece me” you are going to have to swallow It and call again. Regardless of how frustrated you become never be rude. Ask for help from everyone you speak with, but do not sound desperate. 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 are in need of a short-term fix and want to stay in your house, most banks can be flexible. Sometimes they would be willing to add a number of months of bank loan payments back onto the balance of your loan. It is all dollars and cents to them, so remind them that you need their assistance to give them a significant sum of money in the long run. If they need to sell your property at an auction, they’ll take an enormous loss.

That sounds obvious, but for some reason, mortgage lenders appear to forget it when they say no to someone in need of assistance.


5. Increase your credit rating and sell your home quickly

We will buy your house in Scottsdale if you’re behind on your payments, and need to sell your Scottsdale house. In particular instances, we may even be able to help you stay in your property.

Glymph Properties work with house owners in Scottsdale, Arizona to find solutions to prevent foreclosure.

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


If you have to sell a house near Scottsdale, we should be able to help you. We buy homes in Arizona like yours fast.

Give us a call anytime 888-509-6267 Ext 4 or fill out the form here so that we can buy your Scottsdale house for cash- www.GPBuyshomes.com!

Our company is delighted to help you get answers to your most challenging questions regarding Scottsdale, Arizona properties, so please call us at 888-509-6267 Ext 4 and chat with us whenever.

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

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We are interested in purchasing properties in: 85257, 85258, 85260.


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

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Trying to find a rent to own property… head to our rent-to-own website or give us a ring anytime at 888-509-6267 Ext 5

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