The 5 Most Beneficial Secrets to Prevent Foreclosure in Boise, Idaho !

In Boise, Idaho And Want Help: I Haven’t Paid The Last Few Home Loan Payments On My Home!

 foreclosure help Boise , Idaho

Man… not only do you have to cover this month’s mortgage, but now you have to find a way to play catch-up and it ain’t like life’s bills just stop coming. If anything… when you are behind it just feels like even more bills come out of the woodwork.

Skipped a few home house loan payments on your Boise, Idaho property but want to avoid foreclosure…. there are a few things you can do to prevent it. Lots of properties in Boise, Idaho have been lost to foreclosure, but there are several ways to avoid it.

1. Signaling with the white flag

No one really wants to file for bankruptcy. If you are being crushed by lots of debt, bankruptcy can be a great way to negotiate with lots of lenders at once. It is a tremendous amount of work, and it will not help you avoid your house loan. Different creditors will treat your circumstances in different ways. Get the best professional help you can afford if you are filing bankruptcy.

2. Reaffirm

Doing so can buy you more time, but may come with more penalties. Basically, reaffirming the loan is an additional commitment to pay. If your Boise property is auctioned, an affirmation could cause extra responsibilities.

3. MHA Program

You might be able to participate in the MHA program if your mortgage 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 is 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. You might be able to get your mortgage loan payments suspended or reduced if you are unemployed.

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

4. Hammer out a deal

Lots of lenders routinely 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 mortgage loan payments.

If there is even the slightest chance that lenders can make money from your situation they are going to steer you towards refinancing. If you can afford it, and all you are looking for is a brief reprieve from 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 mortgage savings are.

Brutal. That’s the best word to describe the typical experience most people have when negotiating with their mortgage lender. Usually, it takes lots of calls and the patience of a saint to get through the bureaucracy. Never, ever be rude. Ask for help from everyone you speak with, but do not sound critical. 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 property because you plan on living there long term.

If “come hell or high water” you have no plans of leaving your house, then bank on the fact that most banking institutions can be forgiving. If you only missed a handful of payments, and want to keep your property, then sometimes the mortgage company will just add the missed bank loan payments back onto your loan. Your entire mortgage balance is practically nothing to them. Not even a grain of sand in the Serengeti. Point out that you need help, and that when it’s all said and done they’ll end up earning a lot more revenue in the future. If they need to sell your home at an auction, they’ll end up incurring an enormous loss.

You would probably think that this is common sense, but lenders routinely get stuck in the passion of the situation and forget that. Simply put…Help remind them.

5. Borrow money from a private investor

If you’re behind in your payments and want to sell fast, Glymph Properties can help. In certain circumstances, we may even be able to help you stay in your house.

We work with Boise, Idaho house owners to find solutions to prevent pre-foreclosure.

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


If you have to sell a home near Boise, Idaho, we can help you. We buy homes in Boise, Idaho like yours quickly.

Give Glymph Properties a call anytime 888-509-6267 Ext 4 or fill out the form here so that we can buy your Boise house for cash-!

We’re glad to help you discover answers to your hardest questions about Boise , Idaho property, so please feel free to call us at 888-509-6267 Ext 4 and chat with us anytime.

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