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Missed a couple of house loan payments? Prevent foreclosure on your St. Paul, Minnesota home by reading this article.

Missed a handful of mortgage payments on my house in St. Paul, Minnesota. ” It feels like the sky is falling on me.”

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

Skipped a few house bank loan payments on your St. Paul home but want to avoid foreclosure…. there are a few things you can do to prevent it. A whole lot of properties in St. Paul, Minnesota have been lost to foreclosure, but there are a number of ways to avoid it.

1. Bankruptcy

Everyone is concerned about bankruptcy- it can be a very challenging process. Bills 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 really is a complex process. It will put all your lenders on notice and help you to negotiate a settlement. Your mortgage could be one of those. With that being said… it will leave a permanent mark on your credit history. Every creditor has its own process that it follows for bankruptcies. You’d benefit from serious professional help, the best you can afford.

2. Reaffirm

This could be a great way to keep the “hounds at bay”, but this could come with unforeseen problems. If you reaffirm your commitment to make your house loan payments, you have to make your payments. In some states where it’s allowed, an affirmation can create additional liabilities if your property is auctioned.

3. MHA Program

If your home loan qualifies, you might be able to participate in MHA. 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 house loan payments suspended or reduced if you are unemployed.

MHA is a government program, so be prepared to deal with lots 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 this very issue. You have to work hard at it, but you might be able to get your interest rate reduced or a temporary reduction in your mortgage payment.

The most common approach the lenders will take is to have you refinance, but just as an FYI, by the time you are a few mortgage loan payments behind you probably won’t qualify for an interest rate reduction.

You have to work diligently to negotiate with a bank. Patience. Tenacity. Strength of mind. You have to have them all in order to get through all the red tape. Do not sink your own ship by being rude. It is a balancing act. Ask for help from anyone in a position to help, but don’t be critical. do not 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.

Here’s some insight on a little fact… Lenders and banks aren’t in the real estate business they are in the money lending business. They don’t want to become landlords. They want you to keep your property, so you can continue paying them. If you only missed a couple of payments, and want to keep your home, then sometimes the lender will just add the missed mortgage payments back onto your loan. It’s all about the income with your mortgage lender. Request their help so that you can pay them what you owe. They won’t need to be reminded that they’ll end up making 100 % on the money they lent you. Banks are not in the habit of losing profits, so they are extremely reluctant to foreclose on your home… they’d wind up taking a huge loss. They do not want to do it.

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

5. Sell to an investor

If you’re behind in your home loan payments and really want to sell fast, we will buy it. In certain circumstances, we may even be able to help you stay in your property.

We work with Minnesota homeowners to find solutions to prevent pre-foreclosure.

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


If you must sell a property near St. Paul, Minnesota, we should be able to help you. We buy Minnesota homes like yours fast.

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

Our company is happy to help you get answers to your most challenging questions concerning selling a property fast in St. Paul, so please call us 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 Fast, Reasonable Cash Offer

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We buy houses within 75 miles of the following zip codes: 55101, 55102, 55103, 55104, 55105, 55106, 55107, 55108, 55114, 55116, 55117, 55119, 55130.


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

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Check out our investing articles to educate investors!


Trying to find a rent to own property or house… go to our rent-to-own website or give Glymph Properties a ring anytime at 888-509-6267 Ext 5

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