Tampa Foreclosure: How can I stop it?

Please help, I’m behind on my home loan payments in Tampa, Florida!

 Sell my home fast Tampa , Florida

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Late on bank loan? Truth be told… you can stop foreclosure in Tampa, Florida even with many late house payments.

Missed several payments on my house in Tampa, Florida. ” Honestly, it feels like the sky is falling on me.”

Bringing your Past-Due bank loan balance current can feel near impossible, especially when you do not even know if you will be able to make this months payment.

There are a few options that can help you to avoid foreclosure in Tampa, Florida and maybe even keep your house, even if you are behind on payments. Tons of properties in Tampa, Florida have been lost to foreclosure, but there are numerous ways to avoid it.

1. Chapter 13

This is generally the tool of last resort. Debts piling up. You feel like you are being crushed. Bankruptcy will allow you to lift that burden all at once versus having to negotiate with each lender individually. It won’t make your mortgage loan vanish entirely, but it will put you on a path to eventually walk away. You are not going to come out unscathed, but you will survive. Your mortgage creditor 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. If you’re considering bankruptcy, our advice would be to get professional help.

2. Reaffirm

Doing so can buy you more time, but may come with more fines. If you reaffirm your commitment to make your mortgage loan payments, you have to make your payments. If your Tampa property is auctioned, an affirmation could cause extra responsibilities.

3. Making property Affordable (MHA)

If your bank 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.

Be prepared to deal with a lot of paperwork because as I am sure you are aware MHA is a government program. It’s free money, but you’ll have to jump through some hoops to get it.

4. Negotiate

Most lenders offer some level of assistance. 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 pause your payments.

Most of the time, lenders will want to steer you to refinance your loan, but by the time you’re a few payments behind, you probably don’t qualify for a decrease in the interest rate.

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 concrete dry to get through the bureaucracy. No matter what happens, don’t be rude. It can be a balancing act. Ask for help from anyone in a position to help, but do not act entitled. Explain your situation, offer supporting documents, and reassure the bank that you want to live in your home for the long term.

Let me let you in on a little secret… Mortgage lenders aren’t in the real estate business they are in the money lending business. They don’t want to be stuck with an investment that they’re not properly equipped to handle. They don’t want you to lose your house, so you can continue paying them. If you only missed a few payments, and want to keep your property, then sometimes the loan company will just add the missed home loan payments back onto your loan. It’s all about the dollars and cents with your mortgage provider. Request their help so that you can send them what you owe them. They won’t need to be reminded that they’ll end up doubling the money they lent you. If they have to sell your home at an auction, they’ll end up incurring a huge loss.

You’d think that this is common sense, but occasionally the mortgage lenders get caught up in the passion of the issue and fail to remember that. Simply put…Help remind them.

5. Increase your credit score and sell your house quickly

Glymph Properties will buy your Tampa, Florida home if you’re behind on your payments, and need to sell your Tampa home. If you do not want to sell but just need a little assistance, in some cases Glymph Properties can help you.

Glymph Properties work with property owners in Tampa to find solutions to home loan problems.

Give Glymph Properties a call and we’ll see what we can do for you!

 

If you need to get rid of a house near Tampa, Florida, we should be able to help you. We buy Tampa properties like yours extremely fast.

Give Glymph Properties a call anytime 888-509-6267 Ext 4 or fill out the form here today- http://www.GPBuyshomes.com!

We are glad to help you uncover answers to your toughest questions about Tampa, Florida properties, so please feel free to give us a ring at 888-509-6267 Ext 4 and chat with us 24/7/365.

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 houses fast!

Free seller resources!

www.gpbuyshomes.com/blog

We are interested in purchasing houses within 75 miles of the following zip codes: 33602, 33603, 33604, 33605, 33606, 33607, 33609, 33611, 33612, 33616, 33629, 33647.

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Do you need to find other high ROI investment properties… head over to our investor website or give us a call anytime at 888-509-6267 Ext 3

www.gpsellshomes.com/investment-properties- Tampa

Check out our investing articles to educate investors!

www.gpsellshomes.com/blog

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Searching for a rent to own property… pay a visit to our rent-to-own website or give us a call anytime at 888-509-6267 Ext 5

www.gprent2own.com/rent-to-own- Tampa

Absolutely free rent-to-own resources!

www.gprent2own.com/blog

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