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If you are unable to make your mortgage payment, don't ignore the problem.
The further behind you become, the harder it becomes to pay off the loan. Try to pay it off as soon as possible. Contact your lender as soon as you realize that you have a problem. Lenders do not want your house, they want your money. There are options to help borrowers through difficult financial times.
Make sure you open and respond to all mail from your lender. The first notices you receive will offer good information about foreclosure prevention. Later mail may include important notices of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court.
Know your mortgage rights. Find your loan documents and read them so you know what your lender can do if you can't make payments. Learn about the foreclosure laws and timeframes in your state, as every state is different. Contacting the State Government Housing Office. Prioritize your spending. After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses-cable TV, memberships and ..........