Let’s face it, times are tough right now. Many of us have seen our jobs either go away entirely or our hours cut back. Some have had the raise we hoped for disappear because our employer cannot afford it this year or they are on the brink of closing their own doors anyway.
Many people have defaulted on their mortgage and lost their homes during the past few years. Is there aid for those who are crying out “I need help paying my mortgage?” Even the mortgage companies are in trouble and that trickles down to us, the struggling homeowner who owes on their mortgage.
A mortgage foreclosure can happen to anybody and there are record numbers of people currently in default to prove it. Fortunately there is help for many who are asking. For example, our forum at www.LoanSafe.org/Forum has been helping thousands of homeowners with FREE tips and advice. We have over 22,000 members that you can share your story with.
You can also look to HUD housing counselors who are loan modification experts for some valuable assistance when you need help paying your mortgage. You cant try www.NACA.com, 888-995-HOPE, or www.995Hope.org.
There is help for your mortgage to be had from these counselors so don’t be afraid to ask; it’s a very normal problem these days. There are also law firms who have skilled lawyers who are licensed professionals and others who are in the real estate business, who will stand beside you and negotiate with your mortgage company, to help you avoid the foreclosure process. Please be aware of the many scams out there and be sure to get a good reference before you proceed with any company or person.
They can help homeowners who are in financial distress keep their credit rating intact and make a payment program that can be handled until the home owner is back in better shape financially.
If that homeowner decides to sell their home and basically get out from under their debt, these real estate professionals can offer valuable assistance regarding that as well. If there is more owed on that home than can be gained in the sale, the real estate pro can help by negotiating a short sale and keep the lender from foreclosing on you.
This has become the major reason for mortgage foreclosures. If you are crying out for help, and saying “I need help paying my mortgage”, do not be fearful; just ask for help from a mortgage bailout expert or real estate professional. They are there to give assistance to those who need it most.