The Best Oakland Organization To Help When You’re Behind On Your Mortgage Loan.

Repair Your Credit Report, Make Your Monthly Mortgage Payments, & Prevent Getting Behind On Your Payments!

 home buyers Oakland , California


If you really want to stay in your property and make amends with the bank, just tell them. Your mortgage lender is remarkably flexible as long as you are willing to play ball with them. If you only missed just a few payments, and want to keep your home, then sometimes the mortgage lender will just add the missed payments back onto your loan. Over time your lenders will more than 2x their outlay, so just talk to them and they will want to make it work with you. The last thing they want to do is foreclose because they’d miss out on a great deal of money. If you will meet them halfway they will make it work with you.

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


1. Chapter 7

This is usually the tool of last resort. If you are being crushed by a load of debt, bankruptcy can be a good way to negotiate with lots of creditors at once. It’s a considerable amount of work, and it won’t help you avoid your home loan. Every lender has its own process that it follows for bankruptcies. If you are considering bankruptcy, our advice would be to get professional help.


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 fines. Basically, reaffirming the loan is an additional commitment to pay. If your Oakland, California property is auctioned off, an affirmation could cause extra responsibilities.


3. Making Home Affordable (MHA)

You might be able to participate in the MHA program if your home 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 is up to their discretion whether or not they participate in the MHA program.

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


4. Negotiate

Call your lender. You’ll learn that nearly all of them have some sort of assistance for situations just like this. 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 house loan payments.

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

You have to work very hard to negotiate with a bank. Perseverance. Tenacity. Conviction. You have to have them all in order to get through all the red tape. No matter what happens, do not be rude. Ask for help from everyone you speak with, but don’t sound desperate. Reassure the bank that you want to live in your home long term and explain your situation and provide supporting documentation.

If you really want to stay in your Oakland home and make amends with the bank, just make them aware of the situation. Your loan provider is exceedingly forgiving as long as you’re willing to work with them. Playing catch up. Quite simply if you have only missed a handful of payments, sometimes your mortgage provider will just tally your missed payments back onto your balance. It’s all about the cash with your lender. Request their help so that you can send them what you owe. They won’t need to be reminded that they will end up doubling the money they lent you. Taking a tremendous loss isn’t on the agenda for the loan providers. They do not want to put your house into foreclosure because they know that if they work something out with you they will earn an incredible profit in the end.

If a banker can say no to someone like you who needs their help, then obviously they have overlooked how their industry turns a profit and just need a little help remembering.


5. Sell to a local Oakland investor

We can help if you’re behind on your payments and need to sell your Oakland house. In specific situations, we may even be able to help you stay in your home.

We work with property owners in Oakland, California to find solutions to prevent foreclosure.

Don’t be concerned. Give us a call. We’ll let you know if we can help or not.


If you have to get rid of a home near 94607, we should be able to help you. We buy homes in Oakland like yours extremely fast.

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

Glymph Properties is glad to help you uncover answers to your toughest questions about Oakland property, so please feel free to give us a ring at 888-509-6267 Ext 4 and chat with us whenever.

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

Visit our website -See how we buy properties fast!

Check out our articles to educate sellers!

We buy real estate in: 94601, 94602, 94603, 94605, 94606, 94607, 94610, 94611, 94612, 94613, 94619, 94621.


Looking to find other extremely high ROI investment properties or land… stop by our investor website or give us a call anytime at 888-509-6267 Ext 3 Oakland

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Trying to find a rent to own property… head to our rent-to-own website or give us a call anytime at 888-509-6267 Ext 5 Oakland

100 % free rent-to-own resources!


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