Please Help Save My House! I’m Behind On My Kansas City Mortgage Loan.

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

Missed several mortgage payments?

Believe it or not… you can stop foreclosure in Kansas City even with a few missed home payments.

Worst nightmare. We hear the ridiculous stories all the time about the sense of forthcoming doom that swallows people when they miss several loan payments in a city like Kansas City that is known for auctioning people’s homes off.

Even in the event, you can make your mortgage loan payment, catching up on an overdue balance can be an over-bearing challenge.

If you’re behind on bank loan payments there are a few options that can help you to avoid foreclosure in Kansas City, Missouri maybe even keep your property. Tons of houses in Kansas City have been lost to foreclosure, but there are several ways to avoid it.

1. Chapter 11

This is typically the tool of last resort. However, negotiating with all of your lenders at once will alleviate a ton of stress. It really is a complicated process. It will put all your creditors 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 lenders will treat your circumstances in unique ways. Get the best professional help you can afford if you are filing bankruptcy.

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 problems. If you reaffirm your commitment to make your house loan payments, you have to make your payments. If your Kansas City property is auctioned, an affirmation could cause extra responsibilities.

3. Making property Affordable (MHA)

If your house 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.

If your property is underwater, and you are accepted into the MHA program then your principal balance can be lowered as well as your interest rate. 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. This “free” money is not completely free… you’ll have to pay for it with your time and energy.

4. Hammer out a deal

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.

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 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 a decathlon, after an iron man. You have to have enough patience to watch concrete dry to get through all the bureaucracy. Don’t sink your own ship by being rude. It truly is a balancing act. Ask for help from anyone in a position to help, but don’t be desperate. Explain the situation, offer supporting documents, and reassure the bank that you want to live in your house for the long term.

If you’re in need of a quick fix and want to keep your property, many banks can be flexible. Sometimes they’ll be willing to add a number of months of home loan payments back onto the primary balance of your loan. In time your lenders will more than double their initial cash outlay, so just ask and they will want to make it work with you. If they need to sell your house at an auction, they’ll take a huge loss.

The logic is sound and based on facts, but occasionally the bankers get caught up in the emotion of the circumstance and forget that. Simply put…Remind them.

5. Put Home Ownership On Hold & Sell to an investor that works in Kansas City

If you are behind in your mortgage loan payments and really need to sell fast, Glymph Properties can help. Depending on your circumstances, if you’d like we may even be able to help you stay in your Kansas City home.

Glymph Properties work with house owners in Kansas City to find solutions to prevent pre-foreclosure.

We will let you know how we can help.

 

If you really need to sell a house near Kansas City, Missouri, we should be able to help you. We buy homes in Kansas City, Missouri like yours extremely fast.

Give us a call anytime 888-509-6267 Ext 4 or check out our site now- www.GPBuyshomes.com!

We are very happy to help you get answers to your most challenging questions concerning Kansas City property, so please contact us at 888-509-6267 Ext 4 and chat with us at any time.

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

Visit our website -See how it works

Check out our blog!

www.gpbuyshomes.com/blog

We buy real estate in: 64101, 64105, 64106, 64108, 64109, 64110, 64111, 64112, 64113, 64114, 64116, 64117, 64118, 64119, 64123, 64124, 64125, 64126, 64127, 64128, 64129, 64130, 64131, 64132, 64133, 64134, 64136, 64137, 64138, 64139, 64145, 64146, 64149, 64151, 64153, 64154, 64155, 64156, 64157, 64158, 64161, 64163, 64164, 64165, 64166, 64167.

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

See how investing works with Glymph Properties

Free investor resources!

www.gpsellshomes.com/blog

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Trying to find a rent to own 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

Have a look at our rent-to-own blog!

www.gprent2own.com/blog

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