You’re not Alone

If you are struggling to keep your mortgage current, or if you have fallen behind on your payments, you are not alone. You’re one of millions of Americans who are in the same situation. In fact, a record number of homeowners are now struggling to make their mortgage payments.

According to the latest information released by the Mortgage Bankers Association, 7.88 percent of all outstanding mortgages in the United States were late during the fourth quarter of 2008. For subprime home loans, that number jumps to 21.88 percent, more than one out of five mortgages.

Help Is Available

Governments and financial institutions are now focused on creating and implementing a solution that will ease the housing crisis. Troubled homeowners have become a top priority. Federal and state agencies are working with mortgage lenders to help at-risk borrowers avoid foreclosure. The Obama Affordability Plan has been implemented to help as many as 9 million homeowners.

Mortgage Help Is at Hand, but You Must Seek It

If you feel that you’re at risk of delinquency, default or foreclosure, take action now. Read the articles and objective mortgage information on and become educated about your available options.

Stay Level-Headed

Falling behind with mortgage payments can put people in a desperate state of mind, making them particularly vulnerable to scam artists.

You may see ads or receive tempting offers for a loan modification or other quick solutions, but those solutions may not be legitimate. You should never pay more than a nominal, roughly $100 or less, upfront fee to any entity promising to help you get a loan modification.

Falling behind on your mortgage payments may feel isolating and scary. Remember that you are not alone. Help is available.

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