Foreclosure Alternatives for Homeowners in St. Charles County

Facing foreclosure can feel overwhelming—but it’s not the end of the road. If you’re behind on your mortgage payments in St. Charles County, Missouri, you have options. And the sooner you act, the more choices you’ll have.

At MarketPoint Realty, we’ve helped homeowners avoid foreclosure through strategic guidance, quick sales, and local partnerships. Jacob Geringer—broker, appraiser, and former investor—brings the experience needed to guide you through difficult financial decisions with clarity and professionalism.

In this post, we’ll walk you through practical alternatives to foreclosure and how MarketPoint Realty can help you regain control.

🧭 What Is Foreclosure?

Foreclosure is the legal process where a lender reclaims a property after the homeowner fails to make mortgage payments. In Missouri, the process is typically non-judicial and can move fast—starting as soon as 90–120 days after missed payments.

The consequences of foreclosure can include:

• A significant credit score drop
• Difficulty buying or renting in the future
• Loss of equity in the home
• Emotional stress for you and your family

That’s why exploring pre-foreclosure alternatives is essential.

✅ 5 Foreclosure Alternatives to Consider

1. Loan Modification

• Ask your lender to adjust your loan terms (interest rate, duration, etc.) to make payments more affordable.
• Works best if you’ve had a temporary hardship.

2. Forbearance Plan

• Temporarily pause or reduce your mortgage payments.
• Often used during job loss, medical emergencies, or other short-term issues.

3. Repayment Plan

• Agree to pay back missed payments over time while staying current on new ones.
• Must be approved by the lender.

4. Short Sale

• Sell your home for less than what you owe, with lender approval.
• Jacob Geringer can help market your property, handle negotiations, and work directly with your lender to avoid foreclosure.

5. Sell As-Is Before Foreclosure

• If there’s still equity in your home—or even if you’re just breaking even—you may be able to sell fast to avoid the foreclosure process altogether.
• Jacob has an extensive local buyer and investor network ready to move quickly.

🏠 Why Work With MarketPoint Realty?

Foreclosure situations are sensitive and often urgent. Jacob’s combined experience in appraisal, valuation, distressed property sales, and investor relations gives you the strategic advantage most agents simply don’t offer.

We help homeowners:

• Understand timelines and lender notices
• Determine the true value of the home—even in distressed condition
• Identify the fastest and most financially sound solution
• Coordinate showings or investor sales discreetly

📍 Local Insight: Missouri Foreclosure Laws

Missouri uses a non-judicial foreclosure process, meaning the lender does not have to go through the courts. Once you receive a Notice of Default or a Notice of Sale, you may have only 20 days or less to act.

Don’t wait for the auction date. The sooner you reach out, the more we can help.

🗣️ Real Story: From Foreclosure Threat to Fast Sale

“I was two months behind on my mortgage and afraid I’d lose everything. Jacob helped me sell the home before it went to auction—and even connected me with a lender to get back on track with my next home. He made a terrifying process manageable.”

– Kevin S., Wentzville, MO

📞 You Have More Options Than You Think

If you're facing foreclosure in St. Charles County, MarketPoint Realty is here to guide you—not pressure you. Jacob will walk you through your options and help you protect your finances and your peace of mind.

➡️ Schedule a confidential consultation here or call (314) 570‑6794 today.