Instructions on the Steps to Explore Options
Get your financial documents in order.
Gather a list of the major bills you pay every month and your recent income documents (such as pay stubs or W-2 forms). Most important is your home loan payment statement complete with your home loan number. Having these nearby will help a counselor build an accurate assessment of your financial situation.
Contact your lender.
Do not ignore letters or phone calls from your lender. If you’re having trouble making your monthly mortgage payments, explain the situation to your lender. Write down who you spoke to, the date, and what was said. Don't wait!