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Behind on your mortgage payments?

The most important thing you can do is keep your mortgage payments current.  If you find yourself falling behind on your mortgage, you need to take action quickly. Contact your lender.  Ignoring the problem does not make it go away.  To save your home from foreclosure you need to have BOTH the desire to work hard to keep your home AND the ability to make the payments.  You have to be realistic and willing to make changes.

There are several new programs that may help you stay in your home by refinancing to a lower interest rate or modifying your mortgage loan. You may qualify for Making Home Affordable if your loan is owned or guaranteed by Fannie Mae or Freddie Mac. Look up your mortgage loan to see if it qualifies.

To learn more about financial stability programs go to www.financialstability.gov

Be careful of people trying to take advantage of your situation. The Federal Reserve provides 5 tips to avoiding foreclosure scams.

Additional Resources and Information

• Foreclosure Do's and Don'ts list
• Home Preservation: Planning Ahead to Avoid Losing Your Home
• U.S. Department of Housing and Urban Development
• Find a HUD-approved Housing Counselor near you go to the HUD website
• When Your Income Drops
• Foreclosure resources for consumers

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