When you are behind on your payments but not in foreclosure, there is still time to negotiate with your lender without necessarily needing to hire an attorney. There are quite a few free options you can turn to for guidance and even government financial assistance. The articles below are easy to read so you can skim over them quickly to learn more. If you have questions about what to do, call us.
There is a delicate time when you stop making your mortgage payments but the lender has not yet filed a lawsuit against you. This time should be used to work out a plan with your lender if you are planning on keeping your home.
HUD approved housing counselors offer a free service to help you work with your lender so you can stay in your home. They are most effective when you contact them as soon as you think you will be missing payments.