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I Own A Property In Jacksonville And Owe On My Mortgage Loan, But I Want To Sell!

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Behind on mortgage? Prevent foreclosure on your Jacksonville property by reading through this quick blog.

Being late on your home house loan is like treading water in the middle of the ocean while being circled by sharks, having a person In the only life raft on the face of the planet throw a boulder with ” Jacksonville foreclosure” printed on it at your head.

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

There are a few options that can help you to avoid foreclosure in Jacksonville and maybe even keep your house, even if you’re seriously behind on payments. So many Jacksonville houses have been swiped via foreclosure, but there are ways to avoid it.

1. Chapter 13

Typically, this is the last thing you want to do. If you’re being crushed by a load of debt, bankruptcy can be a great way to negotiate with lots of creditors at once. It will not make your bank loan disappear altogether, but it will put you on a path to eventually walk away. You will not come out unscathed, but you will survive. Your mortgage lender may handle the process completely different than someone else’s creditor. So there is no way we could provide anyone with the exact process. You would benefit from serious professional help- the best you can afford.

2. Reaffirm

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

3. MHA Program

If your bank 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.

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. If you are unemployed, you might be able to get your mortgage payments temporarily suspended or reduced.

Be prepared to deal with a lot of paperwork because as I’m sure you’re 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

Most lenders offer some level of assistance. It’s possible. Get your interest rate lowered. Temporarily reduce or stop your mortgage loan payments. It’s in the realm of possibilities if you work hard and negotiate with your lender.

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’re looking for is a brief reprieve from mortgage 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 house loan savings are.

You have to work really hard to negotiate with a bank. You have to be relentlessly persistent. You have to be willing to let your pride go out the window. You’re going to have to call, call again and again and again, fax, and email. When you feel fed up and think ” they are not trying to help me” you’re going to have to swallow It and call again. Never, ever act rude. Try not to come across as desperate, but try to get as much help from anyone in a position to help as possible. Reassure the bank that you want to live in your home long term and explain the situation and provide supporting documentation.

If this is really a temporary situation and doesn’t want to give up your house, most lenders would be willing to work together with you. If you only missed several payments, and want to keep your home, then sometimes the loan company will just add the missed bank loan payments back onto your loan. It’s all about the bottom line with them, so remind them that you just need their assistance to give them a ton of money over the long run. Choosing to take a big loss is not on the agenda for the mortgage lenders. They do not want to foreclose on you because they know that if they put in the effort to come to terms with you they’ll earn a massive profit in the end.

The logic is sound and based on facts, but occasionally the bankers get stuck in the emotion of the circumstances and neglect that. Simply put…Help remind them.

5. Sell to a local zip code investor

If you’re behind in your bank loan payments and want to sell fast, we can buy it. Depending on your circumstances, if you would like we may even be able to help you stay in your Jacksonville, Florida house.

Glymph Properties work with Florida property owners to find solutions to foreclosure problems.

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

 

If you really need to sell a house near Jacksonville, Florida, we can help you. We buy Florida houses like yours fast.

Give Glymph Properties a call anytime 888-509-6267 Ext 4 or check out our website today- http://www.GPBuyshomes.com!

We are happy to help you find answers to your most difficult questions regarding Jacksonville, Florida real estate, so please feel free to contact us at 888-509-6267 Ext 4 and chat with us 24/7/365.

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

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Free seller resources!

www.gpbuyshomes.com/blog

We are interested in acquiring properties near: 32202, 32204, 32205, 32206, 32207, 32208, 32209, 32210, 32211, 32216, 32217, 32218, 32219, 32220, 32221, 32222, 32223, 32224, 32225, 32226, 32233, 32234, 32235, 32244, 32246, 32254, 32256, 32257, 32258, 32277.

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

See how investing works with Glymph Properties

Check out our investing articles to educate investors!

www.gpsellshomes.com/blog

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

Visit our rent-to-own website

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www.gprent2own.com/blog

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