The top St. Paul, Minnesota Investors To Help When You Are Behind On Your Mortgage.

Behind On My mortgage, But I Really Want To Sell My House. Are There Any Local St. Paul, Minnesota Companies That Can Help Me!

 stopping foreclosure 55106

Missed a couple of house loan payments?

Prevent foreclosure on your St. Paul house by reading through this short blog.

Being late on your property house loan is like treading water in the middle of the Atlantic ocean while being circled by sharks, having a person In the only life raft on the face of the planet throw a bag of rocks with ” St. Paul, Minnesota foreclosure” printed on it at your head.

Even when you are able to cover your monthly house loan payment, catching up on a delinquent balance can be an overwhelming challenge.

There are a few options that can help you to avoid foreclosure in St. Paul and maybe even keep your house, even if you’re behind in mortgage payments. So many St. Paul, Minnesota houses have been stolen via foreclosure, but there are numerous ways to avoid it.

1. Throwing in the Towel

Ordinarily, this is the last thing you want to do. Debts 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 one on one. It’s a complex process. It will put all your lenders on notice and help you to negotiate a settlement. Your mortgage loan 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. Get the best professional help you can afford if you are filing bankruptcy.

2. Talk to your lenders – let them know you will definitely continue paying your loan as soon as possible:

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 bank loan payments, you have to make your payments. If your St. Paul, Minnesota property is auctioned, an affirmation could cause extra responsibilities.

3. MHA Program

You might be able to participate in the MHA program if your house 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’s 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. If you’re unemployed, you might be able to get your bank loan payments temporarily suspended or reduced.

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

Most lenders 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 payments.

If there is even the slightest chance that lenders can make money from your situation they will steer you towards refinancing. If you can afford it, and all you’re looking for is a brief reprieve from mortgage loan payments then this could work. But… just be aware that ordinarily by the time that you’re several payments behind you won’t qualify for a lower interest rate which is where the long term mortgage savings are.

Brutal. That is the best word to describe the typical experience most people have when negotiating with their bank. Endurance. Tenacity. Resolve. 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 really is a balancing act. Ask for help from anyone in a position to help, but don’t be irritating. Explain the situation, offer supporting documents, and reassure the bank that you want to live in your property for the long term.

If you sincerely want to stay in your home and make “nice” with the bank, just let them know. Your mortgage provider is exceptionally flexible as long as you’re willing to work with them. If you only missed just a few payments, and want to keep your property, then sometimes the mortgage company will just add the missed home loan payments back onto your loan. It’s all about the capital with your loan company. Ask them for their assistance so that you can send them what you owe them. They will not need to be reminded that they will end up making twice the money they lent you. If they have to sell your home at an auction, they will end up incurring an enormous loss.

You would think that this is common sense, but bankers routinely get trapped in the emotion of the circumstances and fail to remember that. Remind them.

5. Sell to a local zip code investor

Glymph Properties can help if you’re behind on your payments and need to sell your St. Paul, Minnesota home. If you do not want to go into foreclosure but just need a little breathing room, in some cases Glymph Properties can help you.

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

We will let you know what kind of assistance we can provide.


If you have to get rid of a house near 55106, we should be able to help you. We buy Minnesota properties like yours quickly.

Give us a call anytime 888-509-6267 Ext 4 or pay a visit to our web site so we can buy your St. Paul property for cash-!

We’re happy to help you get answers to your most difficult questions concerning the St. Paul, Minnesota housing market, so please get in touch with us 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, Reasonable Cash Offer

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We buy homes in: 55101, 55102, 55103, 55104, 55105, 55106, 55107, 55108, 55114, 55116, 55117, 55119, 55130.


Are you looking to find more extremely high ROI investment properties… have a look at our investor website or give us a call anytime at 888-509-6267 Ext 3

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Trying to find a rent to own home… have a look at our rent-to-own website or give Glymph Properties a call anytime at 888-509-6267 Ext 5

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Absolutely free rent-to-own resources!


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