Make your mortgage payments directly to your lender or the mortgage servicer . Do not trust anyone else to make mortgage payments for you. Be very careful about signing over your deed. Foreclosure scams often require you to sign over ownership of your home to a con artist or another third party. Never sign over your deed without getting trusted advice from a lawyer, trusted financial advisor. By signing over your deed, you lose your rights to your home and any equity built up in the home.

Contact your mortgage lender or mortgage servicer as soon as you think you are unable to make your mortgage payment. Lenders are often in the best position to help, especially if you are current on your loan or not seriously late on your payments. Your mortgage lender or mortgage servicer may be able to identify options to help you bring the loan current or to modify your loan. You need to find counselors approved by the U.S. Department of Housing and Urban Development (HUD).

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