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Need Help With Mortgage Payments

Updated on December 25, 2014

There is help with your mortgage payments if you need it

A home is a wonderful place full of great memories any one would hate to lose.
A home is a wonderful place full of great memories any one would hate to lose.

Some people need advice and help to make mortgage payment work

The struggle with a high mortgage payment or the threat of foreclosure makes anyone lose sleep at night and is a waking nightmare. There is good news and many homeowners don’t realize they have options available to them to stop the nightmare. There is help for anyone looking for ways to pay a mortgage and simply are unable to make ends meet to see it happen. Stop the foreclosure now.

Countless folks find themselves in these particular circumstances for a number of reasons. It is not a simple answer of having the money and not getting it to the right people on time, it is so much more than this simple answer.

The top three reasons many homeowners are unable to pay the mortgage on a home

· loss of income

· negative equity

· excessive debt

Most need a little assistance for a small amount of time. Until the temporary hurdle has been climbed. After this hurdle is take care of , the original payment responsibilities are met. For instance, after paying down or off excessive debt the house note is no longer out of reach for the budget. This excessive debt could have possibly come from unpaid medical bills or an unexpected funeral cost. Whatever the reason, the future is brighter when circumstances change for the better.

Save a Home Program

Save a Home Program is an online presence designed for aid with delinquent house payments. They are a resource to use which will lower the amount owed each month, lower the interest rates, restructure the payments and help stop the foreclosure process. More importantly they are responsible for countless people getting a well deserved fresh start

They are in the business of connecting those in need with the assistance they require. A simple application is processed and reviewed to link the applicant with the best program for their circumstances. They review the locale or geographical location for face to face meets to take possible whenever possible instead of everything electronically taking place.

Save a Home Program is not the government and they do provide direct help in some particular conditions. They are a third party linking homeowners with the business or company supplying help based on individual needs. Qualification for different programs is based on a homeowner’s specific situation.

There are options available in place of foreclosure and various ways to stop the process of taking place. For these conditions a deed in lieu foreclosure, repayment plan, short sale, forbearance agreement, bankruptcy or even more are the answer for many. Knowing what options are available means individuals make an informed decision in regards to handling your circumstance instead of permitting them to handle you. is an online resource. Those in need of help with refinancing are better off looking into They specialize in anyone with less than perfect credit.

There are home refinance options or home loan methods. Articles are available for owners that cover adjustable rate mortgages, fixed rate mortgages, good faith estimates, mortgage companies, VA loans and even how to calculate interest rates with amortization loan calculators and amortization schedule calculators.

If these special tools are needed to help with calculating financial assistance, use them. They are available for anyone, even if is not for you.

The Federal Government/Federal Trade Commission

The Federal Trade Commission is also helping as much as possible. The FTC is providing information and related services for anyone that wants it. Simply visit the website connecting owners with the Federal Trade Commission to find categories that include Consumer Protection, Congressional Assistance information, What type of mortgages is possible at this time and apply for them as well as many more categories of assistance.

Local Area Assistance

Many local areas of assistance are in place for aid. Cities, counties and states realize the impact the housing bubble has had on their communities and they have stepped up. Many times state and county offices can be contacted to find out where to go for help with your mortgage payments.

For single incidents of payment, consider contacting local churches, community centers and charities. There are times when you only need the services one or two months and that is when these agencies come into play.

In conclusion

If you need help with mortgage payments it is out there if you know where to look. Homeowners simply need to know where to look. There are a variety of different resources for those in need during a difficult economic situation. Find help paying mortgage payments and do not suffer alone.

© 2012 smcopywrite


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    • Michele Travis profile image

      Michele Travis 6 years ago from U.S.A. Ohio

      I have a friend who lost her job 5 months ago and just got a new one a few weeks ago, she was facing this problem until her mother started helping her. I wish she knew about this. I am going to tell her about this anyway. Thank you for such a good hub!

    • profile image

      help4homeowners 6 years ago from SoCal

      I call mortgage loans the NECESSARY EVIL. We all know there will be interest to pay...but at the end of the you have 400,000 or 500,000 in the bank to buy a house outright? If not, we must obtain a mortgage. The only thing you can do is focus on a great credit rating because with scores of over 720 you will benefit from the lowest rates the industry has to offer. PS...I use 720 because at this score the lender will credit the buyer with a .25 benefit. Its not much, but every penny helps!

    • nanospeck profile image

      Akhil Anil 6 years ago

      We seldom take mortgage loans silly, because most of the time they are small. Still we fail to realize that we are paying a high interest over time. Settling loans should be given higher priority than investments, in my opinion.