Things to do if you get behind on your payments and/or are already in foreclosure:

1. Talk to your lender. Explain your situation. Ask for a temporary forebearance or a loan modification to make your mortgage more affordable. Do this BEFORE you are in foreclosure for best results.
2. Check out this HUD website for troubled homeowners: http://www.makinghomeaffordable.gov/ The site contains a wealth of information.
3. Call the Homeowners Hope(tm) Hotline: 1-888-995-HOPE and speak with a HUD-approved Housing Counselor
4. Help is FREE! Please Beware of Foreclosure Help SCAMS. If someone asks you for a fee - DO NOT PAY - RUN AWAY! There is never a fee to speak with your lender or a HUD-approved housing counselor.

Later!

Allison