Keeping your Fort Wayne house when you’re seriously late on your home mortgage payments!

Improve Your Credit Score, Have Your Monthly Mortgage Paid, & Prevent Foreclosure!

 foreclosure help in Fort Wayne , Indiana

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Late on mortgageSurprisingly… you can avoid foreclosure in Fort Wayne, Indiana even with a few late house payments.

When you go delinquent in your bank loan payments on your Fort Wayne, Indiana property, it can feel like you are drowning in debt.

Bringing your Past-Due mortgage balance current can seem to be close to impossible, especially when you don’t even know if you’ll be able to make this months bank loan payment.

If you are in Fort Wayne and behind on a few mortgage payments, there are a few things you can do to avoid foreclosure. Tons of properties in Fort Wayne have been lost to foreclosure, but there are several ways to avoid it.

1. Chapter 13

Everyone is concerned about bankruptcy- it could be a very difficult process. However, negotiating with all of your creditors at once will relieve a ton of stress. It is a complex process. It will put all your lenders on notice and help you to negotiate a settlement. Your mortgage loan could be one of those. With that being said… it will leave an everlasting mark on your credit history. Every lender has its own process that it follows for bankruptcies. You’d benefit from serious professional help- the best you can afford.

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 penalties. Basically, reaffirming the loan is an additional commitment to pay. In some states where it is allowed, an affirmation can create additional liabilities if your property is auctioned off.

3. Making Home 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.

With MHA, your mortgage 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.

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

4. Negotiate with your bank

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

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

You have to work really hard to negotiate with a bank. Usually it takes lots of calls and the patience of a saint to get through the bureaucracy. Don’t sink your own ship by being rude. Try not to come across as needy, but try to get as much help from anyone in a position to help as possible. Reassure the bank that you want to live in your property long term and explain your situation and provide supporting documentation.

If you are in need of a short-term fix and want to stay in your property, a lot of lenders can be flexible. Playing catch up. Pretty much if you’ve only missed a small number of payments, sometimes your loan provider will just add your missed payments back onto your balance. It is all about the income with your mortgage company. Request their assistance so that you can send them what you owe them. They won’t need to be reminded that they’ll end up earning twice the money they lent you.. The last thing that the loan providers want to do is foreclose because they would lose a lot of money. If you will meet them halfway they’ll work with you.

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

5. Increase your credit score and sell your home quickly

If you’re behind in your mortgage loan payments and want to sell fast, we will buy it. Depending on your situation, if you would like we may even be able to help you stay in your Fort Wayne, Indiana property.

Glymph Properties work with Fort Wayne, Indiana house owners to find solutions to prevent pre-foreclosure.

Do not worry. Give us a call. We’ll let you know if we can help or not.

 

If you must sell a house near Fort Wayne, we should be able to help you. We buy Fort Wayne homes like yours quickly.

Give us a call anytime 888-509-6267 Ext 4 or visit our website today- www.GPBuyshomes.com!

Our company is glad to help you get answers to your most difficult questions regarding the Fort Wayne housing market, so please feel free to call 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 Fair Cash Offer

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

Free seller resources!

www.gpbuyshomes.com/blog

We are interested in purchasing properties in: 46802, 46803, 46804, 46805, 46806, 46807, 46808, 46809, 46814, 46815, 46816, 46818, 46819, 46825, 46835, 46845.

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Looking for help to find more extremely high ROI investment properties… pay a visit to our investor website or give us a call anytime at 888-509-6267 Ext 3

www.gpsellshomes.com/investment-properties- Fort Wayne

Check out our investing articles to educate investors!

www.gpsellshomes.com/blog

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

See Glymph Properties Rent-To-Own Properties

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

www.gprent2own.com/blog

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