Please Help Me Out… I am behind on my Baton Rouge property mortgage payments

I Own A House In Baton Rouge And Owe On My Home Loan, But I Want To Get Rid Of It!

the best property buyers in Baton Rouge , Louisiana

Just Sold My Property in Baton Rouge.

Late on mortgage loan? Contrary to popular belief… you can avoid foreclosure in Baton Rouge even with a couple of missed property payments.

Missed several house loan payments on my property in Baton Rouge. ” It feels like the jackals are circling.”

Not only making the most recent payment, then you have to worry about playing catch-up on the payments you’ve missed and the fees… It can be intimidating.

If you are behind on mortgage payments there are a few options that can help you to avoid foreclosure in Baton Rouge, Louisiana maybe even sell your home. So many Baton Rouge, Louisiana properties have been lost via foreclosure, but there are several ways to avoid it.

1. Chapter 13

Ordinarily, this is the last thing you want to do. Bills piling up. You feel like you’re being crushed. Bankruptcy would allow you to lift that burden all at once versus having to negotiate with each lender individually. It is a significant amount of work, and it will not help you avoid your home loan. Your mortgage lender may handle the process completely different than someone else’s creditor. So there is no way Glymph Properties could provide anyone with the exact process. Get the best professional help you can afford if you are filing bankruptcy.

2. Reaffirm

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’s allowed, an affirmation can create additional liabilities if your property is auctioned off.

3. MHA Program

If your mortgage 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.

The principal balance on your mortgage and even your interest rates may be lowered if you are eligible for the MHA program. If you are unemployed, you might be able to get your home loan payments temporarily suspended or reduced.

MHA is a government program, so be prepared to deal with lots of paperwork. It ain’t free money ‘ you gotta work for it.

4. Bargain with your bank

Most lenders offer some level of assistance. 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 payment.

If there is even the slightest chance that lenders can make money from your situation they’ll steer you towards refinancing. If you can afford it, and all you’re looking for is a temporary break from mortgage 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 mortgage savings are.

Negotiating with the bank is like running a marathon, after a marathon, after an iron man. Usually, it takes lots of calls and the patience to watch paint dry to get through the bureaucracy. No matter what happens, do not be rude. Try not to come across as needy, but try to get as much help from anyone in a position to help as possible. 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 home because you plan on living there long term.

If “come hell or high water” you have no plans of leaving your house, then take solace in the fact that most lenders can be amenable. Playing catch up. Quite simply if you have only missed a handful of payments, sometimes your mortgage lender will just add the sum of your missed payments back onto your balance. Your entire mortgage loan balance is almost nothing to them. Not even a grain of sand in the Serengeti. Remind them that you need a little assistance and that in the end, they’ll end up getting a lot more money in the long run. If they have to sell your property at a foreclosure auction, they will end up taking a huge loss.

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

5. Sell to a local zip code investor

If you are behind in your bank loan payments and really want to sell fast, we can buy it. In specific situations, we may even be able to help you stay in your home.

We work with property owners in Baton Rouge, Louisiana to find solutions to prevent pre-foreclosure.

Do not fret. Give us a call. We will let you know if we can help or not.


If you need to get rid of a property near Baton Rouge, Louisiana, we can help you. We buy Baton Rouge properties like yours fast.

Give Glymph Properties a call anytime 888-509-6267 Ext 4 or check-out our website today-!

Our company is very happy to help you discover answers to your toughest questions regarding selling a house extremely quick in Baton Rouge, Louisiana, so please feel free to contact us 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 Reasonable Cash Offer

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We are interested in acquiring properties in: 70801, 70802, 70805, 70806, 70807, 70808, 70809, 70814, 70815, 70816, 70819, 70820, 70827, 70891.


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

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Searching for a rent to own property… have a look at our rent-to-own website or give us a call anytime at 888-509-6267 Ext 5 Baton Rouge

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