Rescue Me! I’m behind on my house payments in St. Paul

In St.Paul And Really Want Help: I Missed The Last Few Mortgage Payments On My Property!

 stop foreclosure fast St. Paul , Minnesota

Missed several mortgage loan payments?

Prevent foreclosure on your St. Paul house by reading through this article.

Missed a couple of payments on my property in St. Paul. ” It feels like the sky is falling on me.”

Not just making 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 daunting.

Skipped a few house bank loan payments on your St. Paul house but want to avoid foreclosure…. there are a few things you can do to prevent it. So many St. Paul homes have been swiped via foreclosure, but there are numerous ways to avoid it.

1. Signaling with the white flag

Everyone is afraid of bankruptcy- it could be a very tough process. Debts 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 individually. It is a tremendous amount of work, and it will not help you avoid your mortgage. 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 steps. 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

Doing so can buy you more time, but may come with more penalties. If you reaffirm your commitment to make your mortgage loan payments, you have to make your payments. In some states where it is allowed, an affirmation can create additional liabilities if your property is auctioned off.

3. MHA Program

You might be able to participate in the MHA program if your bank loan qualifies. If you have a loan backed by Freddie Mac or Fannie Mae then you have to be considered for the MHA. However, if you have another lender then it’s up to their discretion whether or not they participate in the MHA program.

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.

Be prepared to deal with a lot of paperwork because as I am sure you’re aware MHA is a government program. It is not free money, you gotta work for it.

4. Hammer out a deal

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 bank loan payment.

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’re looking for is a brief reprieve from house loan payments then this could work. But… just be aware that ordinarily by the time that you are 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. Persistence. Tenacity. Strength of mind. You have to have them all in order to get through all the red tape. No matter what happens, don’t be rude. Ask for help from everyone you speak with, but do not sound hopeless. 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 this is, in fact, a short-term situation and do not want to give up your house, most lenders would probably be willing to work together with you. Making themselves whole. Quite simply if you’ve only missed one or two payments, sometimes your mortgage provider will just add the sum of your missed payments back onto your balance. It’s all about the capital with your loan provider. Ask them for their assistance so that you can send them what you owe them. They won’t need to be reminded that they’ll end up making twice the money they lent you. Taking a major loss is not on the agenda for the lenders. They don’t want to foreclose on you because they know that if they put in the effort to come to terms with you they will make a tremendous profit in the end.

If a lender can say no to someone like you who needs their assistance, then obviously they’ve forgotten how their industry turns profits and just need a little help remembering.

5. Sell to an investor

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

We work with St. Paul homeowners to find solutions to mortgage problems.

We’ll let you know how we can help.


If you need to sell a house near St. Paul, Minnesota, we can help you. We buy homes in Minnesota like yours quickly.

Give Glymph Properties a call anytime 888-509-6267 Ext 4 or fill out the form here now-!

Our company is delighted to help you uncover answers to your most difficult questions about St. Paul, Minnesota real-estate, so please call 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 Good Cash Offer -See how we buy houses fast!

Free seller resources!

We buy real estate in: 55101, 55102, 55103, 55104, 55105, 55106, 55107, 55108, 55114, 55116, 55117, 55119, 55130.


Do you need to find other high ROI properties to invest in… visit our investor website or give us a ring anytime at 888-509-6267 Ext 3

Visit our investor website

Check out our investing articles to educate investors!


Trying to find a rent to own House… check out our rent-to-own website or give Glymph Properties a ring anytime at 888-509-6267 Ext 5

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Completely free rent-to-own resources!


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