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If you are facing financial difficulties—whether they are short or long term—there are options available to you, even if you haven't yet missed a mortgage payment.
Homeowners who are struggling with their mortgage payments are facing tough choices. Do you stay in a home you may no longer be able to afford or should you try to leave?
Don't just walk away from your home. There are better options. The most important thing is to avoid foreclosure—and options may be available to assist you if you are ready to leave your home. Some options may even offer cash.
Many homeowners have fallen behind on their mortgage, and could soon be on the path to foreclosure without permanent help. If this sounds like your situation, you may be eligible to modify your mortgage. What is a Modification?
When you refinance, you receive a completely new mortgage with new terms, a new interest rate and monthly payment—the new loan completely replaces your current mortgage. If you have a high-interest rate mortgage or your payments are becoming unmanageable, refinancing may be for you.
If you are facing foreclosure and can no longer afford your home, you may qualify for a Short Sale—even if you don't think you can (or haven't been able to) sell your home.