If you have difficulty paying your mortgage, here are a few tips:
The sooner you take action, the more likely you will be able to save your home. You have more time to explore options if you contact the bank that services your mortgage when you first have financial difficulty, rather than waiting until you receive a notice of foreclosure.
Although it is possible to get a mortgage modification by yourself, it's best to work with an expert who can help you. Free help for homeowners is available from federally approved housing counseling agencies and nonprofit legal services organizations. Be wary of scams offering help for a fee.
Persistence is key. The mortgage modification process should be quick and straightforward, but in reality, it can take many months to complete. Keep a copy of everything you send in because banks may require you to submit the same documents several times. Don't give up hope, and stay in contact with your housing counselor or lawyer.
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