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Resources & Tools

Having Trouble Paying Your Mortgage?

If you are having trouble paying your mortgage, you are not alone. Many Americans are facing this same problem and mortgage companies are very familiar with this situation.

The first thing you need to do once you realize that this is becoming a problem for you and your family is contact your mortgage lender immediately. Contacting your lender as soon as possible is the best way to deal with your situation. Mortgage lenders are in the business of making money therefore they are more willing to work with you. By contacting your lender they may be willing to work something out with you and in some cases renegotiate your loan terms. Lenders may offer you:

  • Reduced interest rates
  • Reduced payments
  • Interest only payments

Many lenders wouldn’t have considered such deals 6 months ago, but since mortgage delinquencies have skyrocketed and the housing market has plummeted, banks are eager to avoid foreclosures. This is a great opportunity to work with your lender and come up with a plan that is going to keep you in your home and lenders happy too.

You may also want to consider contacting a credit counselor to help you with your monthly budgeting. This is a very stressful time in your life and seeking a professional budget counselor may be the best way to help identify areas that you can cut back in, in order to ensure you are meeting your monthly mortgage commitments.

If you need further assistance with your mortgage you may contact the Mortgage HopeLine at 888-995-HOPE or if you would like to discuss your specifics with one of our counselors feel free to contact our housing department at 866-826-7180


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Dev Tool:

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