There can be many different reasons why homeowners get behind on their mortgage payments. Perhaps you are behind on your mortgage payments because of a job loss, decrease in income or an increase in debts. If you are behind on your mortgage loan payments, you could lose your home. There may be ways your lender can work with you to prevent a foreclosure with a loan modification plan.
FHA loan programs that help stem foreclosure include the FHASecure Refinance and the Hope for Homeowners loan. See HUD’s Advice- How To Avoid Foreclosure.
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