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If you are having difficulty meeting your homeownership obligations, such as mortgage, taxes, and association dues, we encourage you to notify your lender early on. Your lender may be willing to create a payment plan or change the terms of your existing loan so it is more affordable.
Do not wait until you have fallen behind on your mortgage before asking for help. Your lender will be more likely to work with you if you contact them before you start missing payments. They may be willing to create a payment plan or change the terms of your existing loan so it is more affordable.
If you are already behind on your mortgage or have missed one or more payments, seek help immediately. The longer you wait, the fewer options you have available to avoid foreclosure. If you can see that you might have difficulty in the near future, even if you are current with all of your housing expenses now, don’t wait; contact someone now. Accommodations may be made, especially if the situation appears temporary.