Call your lender immediately to see if they can offer a solution. Next, start a to-do list so that you will be ready to answer any questions your lender may ask.
Start a file for records relating to your property. Keep very detailed notes of all the contacts you make, including the date you called and what resulted from the conversation. Collect your proof of income, photocopy at least 2 weeks of pay stubs, 2 years of taxes, and 2 years of bank statements or other benefits you receive. Having good records readily available is very important.
Write all of the reasons you got behind on your mortgage payments. When you speak to your lender they will want an explanation of the events that led up to the financial problems, write all of these reasons down
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