Please Help… I’m behind on my San Francisco property mortgage payments

Repair Your Credit Report, Have Your Mortgage Paid Off, & Prevent Foreclosure!

 foreclosure help San Francisco


Missed several mortgage loan payments? Truth be told… you can avoid foreclosure in San Francisco even with a number of late home payments.

When you go delinquent on your home loan payments on your San Francisco, California property, it can feel like you’re being consumed by debt.

Besides paying the most recent payment, then you have to worry about playing catch-up on the mortgage payments you have missed and the fees… It can be intimidating.

If you are in San Francisco and behind on a few payments, there are a few things you can do to avoid foreclosure. So many San Francisco homes have been stolen via foreclosure, but there are several ways to avoid it.


1. Signaling with the white flag

This is usually the tool of last resort. Bills piling up. You feel like you’re being crushed. Bankruptcy will allow you to lift that burden all at once versus having to negotiate with each lender one on one. It is a complex process. It will put all your lenders on notice and help you to negotiate a settlement. Your home loan could be one of those. With that being said… it will leave a permanent mark on your credit history. Different creditors will treat your situation in different ways. 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 issues. If you reaffirm your commitment to make your payments, you have to make your payments. In some states where it’s allowed, an affirmation can create additional liabilities if your property is auctioned.


3. MHA Program

You might be able to participate in the MHA program if your mortgage loan 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. If you’re unemployed, you might be able to get your mortgage loan payments temporarily suspended or reduced.

Like with anything having to deal with the government MHA is a government program so there is a ton of paperwork. It’s free money, but you will have to jump through some hoops to get it.


4. Hammer out a deal

Call your lender. You’ll learn that nearly all of them have some sort of assistance for this very issue. It’s going to be tough and take a lot of work… but you may be able to get your interest rate reduced and/or temporarily reduce or temporarily stop your house loan payments.

If there is even the slightest chance that lenders can make money from your situation they will steer you towards refinancing. If you can afford it, and all you are looking for is a temporary break from house loan payments then this could work. But… just be aware that ordinarily by the time that you’re several payments behind you won’t qualify for a lower interest rate which is where the long term house loan savings are.

Negotiating with the bank is like running a marathon, after a marathon, after an iron man. You have to have enough patience to watch concrete dry to get through all the bureaucracy. Never, ever be rude. Try not to come across as entitled, but try to get as much help from anyone in a position to help as possible. Explain the situation, offer supporting documents, and reassure the lender that you want to live in your home for the long term.

If this is honestly a temporary situation and doesn’t want to give up your property, most lenders would be willing to work with you. Making themselves whole. Basically, if you’ve only missed a few payments, sometimes your mortgage lender will just compile your missed payments back onto your balance. Your mortgage balance is next to nothing to them. Not even a grain of sand in the Kalahari Desert. Remind them that you need a little help and that when it’s all said and done they will end up earning a lot more cash in the future. If they need to sell your property at a foreclosure auction, they’ll end up taking a huge loss.

That sounds obvious, but for some reason lenders apparently, forget it when they say no to someone in crisis.


5. Increase your credit rating and sell your home quickly

If you are behind in your bank loan payments and need to sell fast, we will buy it. If you don’t want to sell but just need a little help, in some cases, we can help you.

Glymph Properties work with homeowners in San Francisco to find solutions to property foreclosure problems.

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


If you have to sell a property near 94108, we should be able to help you. We buy homes in California like yours extremely fast.

Give us a call anytime 888-509-6267 Ext 4 or fill out the form here today-!

Our company is very happy to help you uncover answers to your toughest questions about selling a house crazy easily in San Francisco, so please feel free to give us a ring at 888-509-6267 Ext 4 and chat with us at any time.

Fill out this form or give us a call anytime at 888-509-6267 Ext 4 for a Fast Cash Offer -See how we buy homes fast!

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We buy homes in: 94102, 94103, 94104, 94105, 94107, 94108, 94109, 94110, 94111, 94112, 94114, 94115, 94116, 94117, 94118, 94121, 94122, 94123, 94124, 94127, 94131, 94132, 94133, 94134, 94158.


Looking for help to find other high ROI investment properties or land… head over to our investor website or give us a call anytime at 888-509-6267 Ext 3

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

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