The highest rated St. Louis investor To Help When you’re Behind On Your house loan.

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Late on house loan?

Prevent foreclosure on your St. Louis, Missouri home by reading through this short blog.

Drowning. Hopeless. Inundated. Done. Scary. That is how everyone feels if you have to miss a few home payments in a city like St. Louis, Missouri.

Bringing your Past-Due bank loan balance current can feel impossible, especially when you don’t even know if you are going to be able to make this months mortgage payment.

Skipped a few home mortgage payments on your St. Louis, Missouri property but want to avoid foreclosure…. there are a few things you can do to prevent it. A whole lot of homes in St. Louis have been lost to foreclosure, but there are a number of ways to avoid it.

1. Chapter 13

No one really wants to file for bankruptcy. If you’re being crushed by a load of debt, bankruptcy can be a good way to negotiate with lots of lenders at once. It’s 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. Your mortgage lender may handle the process completely different than someone else’s creditor. So there is no way Glymph Properties could provide anyone with the exact steps. Get the best professional help you can afford if you are filing bankruptcy.

2. Reaffirm

This could be a great way to keep the “hounds at bay”, but this could come with unforeseen penalties. Basically, reaffirming the loan is an additional commitment to pay. In some states where it is allowed, an affirmation can create additional liabilities if your property is auctioned off.

3. MHA Program

If your mortgage 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.

The principal balance on your mortgage and even your interest rates may be lowered if you are eligible for the MHA program. If you are unemployed, you might be able to get your bank loan payments temporarily suspended or reduced.

Be prepared to deal with a lot of paperwork because as I’m sure you are aware MHA is a government program. This “free” money isn’t completely free… you’ll have to pay for it with your time and energy.

4. Negotiate

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.

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 do not qualify for a decrease in your interest rate.

You have to work diligently to negotiate with a bank. Usually, it takes lots of calls and the patience to watch paint dry to get through the bureaucracy. Do not sink your own ship by being rude. Ask for help from everyone you speak with, but do not sound 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 are in need of a temporary fix and want to keep your property, a good number of lenders can be flexible. If you only missed a handful of payments, and want to keep your home, then sometimes the loan provider will just add the missed house loan payments back onto your loan. It’s all about the dollars and cents with your loan company. Request their help so that you can send them what you owe them. They will not need to be reminded that they’ll end up doubling the money they lent you. If they need to sell your house at an auction, they will end up incurring a huge loss.

You would probably think that this is common sense, but mortgage lenders routinely get trapped in the emotion of the issue and fail to remember that. Simply put…Remind them.

5. Sell to a local St. Louis, Missouri investor

If you’re behind in your mortgage payments and want to sell fast, we can buy it. In particular instances, we may even be able to help you stay in your property.

Glymph Properties work with St. Louis property owners to find solutions to prevent foreclosure.

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


If you need to get rid of a house near St. Louis, Missouri, we can help you. We buy homes in Missouri like yours extremely fast.

Give us a call anytime 888-509-6267 Ext 4 or visit our web site today-!

We’re glad to help you uncover answers to your toughest questions concerning St. Louis, Missouri real estate, so please give us a ring at 888-509-6267 Ext 4 and chat with us whenever.

Fill out this form or give us a call anytime at 888-509-6267 Ext 4 for a Fast Cash Offer -See how we buy properties fast!

Check out our articles to educate sellers!

We buy properties in: 63101, 63102, 63103, 63104, 63106, 63107, 63108, 63109, 63110, 63111, 63112, 63113, 63115, 63116, 63118, 63120, 63139, 63147.


Looking for help to find other high ROI investment properties or land… visit our investor website or give us a ring anytime at 888-509-6267 Ext 3 St-Louis

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Are you looking for a rent to own property… take a look at our rent-to-own website or give Glymph Properties a call anytime at 888-509-6267 Ext 5 St. Louis

Check out our rent-to-own blog!


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