Homeowners having difficulty making their mortgage payments should talk to their mortgage servicer or a housing counselor as early as possible.

My site is designed to be a tool that can help you make informed decisions when facing
mortgage delinquency and possible foreclosure. It off ers clear direction on what information you will need to gather-key documents, household income and household expenses-when you approach your loan servicer and a housing counselor about your situation. I also provide information to help you decide if you can aff ord to keep your home or if you will need to take other steps.