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Behind on Mortgage Payments

What should a homeowner do if they’ve fallen behind on their mortgage payments? 

Unfortunately, most homeowners who’ve fallen behind get overwhelmed and simply ignore the phone calls, emails, and bill statements… hoping that the problem will go away. 

But it won’t. 

In fact, the worst thing a homeowner can do is ignore the problem. 

But the good news is that homeowners who’ve fallen behind on their payments still have some options — three in particular. 

Meet With Your Lender — When a homeowner contacts their mortgage lender to discuss their monthly payments, it indicates that they’re serious about getting caught up, which is good. Lenders might even be willing to temporarily modify the loan to make monthly payments more affordable, defer payments, or renegotiate your interest rate. 

Reach Out To Government Agencies — If a homeowner’s mortgage lender is unhelpful, then they can reach out to various government agencies for help (such as the National Servicing Center, the US Department of Housing and Urban Development, or the Department of Veteran Affairs). These free services can help homeowners get back on track with their mortgage payments.

Sell Your House For Cash — Finally, homeowners can call us at Flavortown Properties by dialing (614) 964-9858 and we’ll make them a fair cash offer on their home. If the homeowner has a lot of equity, then this can certainly be a way to get out of a too-high mortgage payment. 

Hope that helps!

Thanks for taking the time to check out our website. We are local Columbus residents that focus on buying properties off-market (with no commissions) for cash. We are not “flippers” or “investors” looking to pay pennies on the dollar. We are local Buckeyes with families and we focus on buying rental properties. This allows us to make fair market value offers based on comparable sales and needed repairs. We are a small, but mighty team that thrives on helping others and works toward a common goal that provides a positive outcome for everyone.

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