Are you behind on your mortgage payments, or already in foreclosure? Or have you just experienced a life change which will affect your ability to pay? Consumer advocates, loan counselors and government housing officials support these recommendations about what to do:

1. Ask for help. Don't wait.
2. Contact your loan servicer. Check the servicer's website to see what help is available for borrowers needing assistance.
3. Contact a mortgage help hotline, your state's department of housing and/or a HUD approved mortgage loan counseling service.
4. Get a HUD-approved counseling service to take your case and work with your loan servicer to try and get it resolved without foreclosure. Avoid foreclosure services that charge you a fee. HUD-approved counseling agencies are generally free of charge.
5. Ask the counselor about the possibility of getting a loan modification — changing the terms of your existing loan to ones you can afford.
6. Attend a foreclosure prevention workshop event in your area to get additional
information face-to-face.
7. Don't apply for more credit

Hotlines for Help:

Hope NOW Alliance (888) 995-4673
http://www.hopenow.com

National Foundation for Credit Counseling
http://www.hopenow.com

Neighborworks America
http://www.nw.org/network/

Department of Housing and Urban Development
http://portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure

Call my cell if you need additional help – (615) 708-1501