In either case you can try contacting whoever you worked with to get the loan and see if they can help.I would also make sure that I had sent a certified letter to the attorney explaining the problem and demanding resolution by a date certain. 

By this I mean a scenario where you may not be able to pay the balloon off by refinancing (if that's what you're doing), so request for 1 extension that's written into the agreement, something where the payout may be pushed for another 1 year but with X% more interest so it is favorable to the seller as well.

Have you found that post cards or a letter work better/get more attention?

Along with this month's water bill, I received a letter from the Water department.

But if you are referring to a blanket loan where you secure a single loan with multiple properties at a minimum 5 properties are required and these loans can have balloon payments or strict prepayment penalties for 1 asset or the entire loan. 

In Galveston, TX they have a letters streets like Avenue R and Avenue S, but in between you will find Avenue R 1/2. 

DMM does NOT compete no matter how fancy or pretty your letter is.No one will sell you their house if they have no interest in selling, no matter how amazing your letter is. 

Stop for one month and because your letter was not in front of them when they were emotionaly ready to pull the trigger.

I have been preparing my next round of direct mail letters and having conversations with lenders. 

No balloon in sight because of it.The price we have discussed has been a 300k seller financed mortgage with 3.75 interest.PMI would be about 1200 a month.the plan for the property would be to convert the two car detached garage into a 2/1-1 1/2 roughly 750-800 sq feet ADU.