KEEP YOUR HOME OUT OF FORECLOSURE

I'm no expert on this but If you are struggling to make your house payment. There could be something you can do. Call your mortgage company & ask if you can re-negotiate ,or modify your loan to get a lower interest rated.

If your just at the point where money is tight because you had a unexpected bill that drained your bank account, Again call your mortgage company & see if you can defer a payment & ask if you can do this with out any penalties.   What ever you do , don't just miss a payment without contacting the mortgage company. They have staff that is there to help you & most of the time they are friendly & want to help you keep your house.  The thing is, the mortgage company or bank DOES NOT want your house , They are dealing with so many people going under that some will do almost anything to keep you in your home & keep the money coming in. If they take your house it will just go onto a list of other houses they have that they have foreclosed on or they will have to sell it out at a loss. I recently did this & I started the process to modify my loan. i was able to skip a payment & the loan company is in the process of seeing what can be done. I might get a lower interest rate. . My payment might go up just a little bit or it might come down. That will have to wait till they do all the paperwork. BUT the important thing is I'm still in my house