I really want help! I am behind on my personal mortgage on my Baton Rouge, Louisiana family home.

I Live In Baton Rouge, Louisiana And Need Help: I Missed The Last Few Mortgage Payments On My House!

 stop foreclosure now in 70884

Missed several home loan payments?

Truth be told… you can stop foreclosure in Baton Rouge, Louisiana even with numerous late home payments.

Sinking. Powerless. Inundated. Done. Scary. That’s how you feel when you need to miss a few home payments in a city like Baton Rouge.

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 discouraging.

If you’re behind on bank loan payments there are a few options that can help you to avoid foreclosure in Baton Rouge, Louisiana maybe even sell your house. So many Baton Rouge, Louisiana homes have been swiped via foreclosure, but there are ways to avoid it.

1. Bankruptcy

No one really wants to file for bankruptcy. If you are being crushed by lots of debt, bankruptcy can be a good way to negotiate with lots of lenders at once. It is a lot of work, and it won’t help you avoid your house loan. Your mortgage lender may handle the process completely different than someone else’s creditor. So there’s no way we could provide anyone with the exact process. If you are considering bankruptcy, our advice would be to get professional help.

2. Reaffirm

This could be a great way to keep the “hounds at bay”, but this could come with unforeseen problems. Basically, reaffirming the loan is an additional commitment to pay. If your Baton Rouge property is auctioned, an affirmation could cause extra responsibilities.

3. Making property Affordable (MHA)

You might be able to participate in the MHA program if your mortgage qualifies. 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. Suspended. Reduced. If you are unemployed this is definitely possible.

Like with anything having to deal with the government MHA is a government program so there’s a ton of paperwork. It ain’t free money, you gotta work for it.

4. Negotiate with your bank

Most lenders offer some level of assistance. It’s possible. Get your interest rate lowered. Temporarily reduce or stop your house 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.

Brutal. That is the best word to describe the typical experience most people have when negotiating with their bank. You have to have enough patience to watch concrete dry to get through all the bureaucracy. Regardless of how frustrated you become never be rude. Ask for help from everyone you speak with, but don’t sound desperate. Reassure the bank that you want to live in your home long term and explain your situation and provide supporting documentation.

If this is truly a temporary situation and doesn’t want to give up your home, most banks will be willing to work together with you. If you only missed a handful of payments, and want to keep your home, then sometimes the lender will just add the missed home loan payments back onto your loan. Ultimately your lenders will more than double their initial cash outlay, so just talk to them and they’ll want to work it out with you. Banks are not in the business of taking a loss, so they are really hesitant to foreclose on your home… they would wind up incurring a massive loss. They would prefer not to do it.

The logic is sound and based on facts, but occasionally the lenders get trapped in the emotion of the circumstances and overlook that. Simply put…Remind them.

5. Get a bridge loan from an investor

Glymph Properties can help if you’re behind on your payment and need to sell your Baton Rouge home. In particular instances, we may even be able to help you stay in your property.

We work with house owners in Baton Rouge to find solutions to foreclosure problems.

Give us a call and we’ll see what we can do for you!


If you really need to get rid of a home near 70884, we should be able to help you. We buy homes in Baton Rouge, Louisiana like yours extremely fast.

Give us a call anytime 888-509-6267 Ext 4 or fill out the form here so we can buy your Baton Rouge, Louisiana property for cash- http://www.GPBuyshomes.com!

We’re very happy to help you get answers to your most difficult questions regarding Baton Rouge real estate, so please feel free to contact us 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 are interested in obtaining properties near: 70801, 70802, 70805, 70806, 70807, 70808, 70809, 70814, 70815, 70816, 70819, 70820, 70827, 70891.


Do you need to find other high ROI investment properties or land… head to our investor website or give us a call anytime at 888-509-6267 Ext 3

See how investing works with Glymph Properties

Check out our investing articles to educate investors!



Looking for a rent to own home… take a look at our rent-to-own website or give us a call anytime at 888-509-6267 Ext 5

www.gprent2own.com/rent-to-own- Baton Rouge

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