Get your bank on your side

I found this great information in Redbook Magazine:

Get the bank on your side:

Speak to the right person. Ask for the "loan modification department." "If you call the bank and tell them you're behind on your mortgage, they'll put you right through to collections, which will get you nowhere," says Khalfani-Cox

Read the fine print. "The more knowledgeable you are about your mortgage and how it works, the less likely you are to find yourself in trouble," says Khalfani-Cox

Be up front about your situation. "If you were out of work or ill and can't keep up with your payments, come clean," says Khalfani-Cox. The more your bank knows about your circumstances, the more they'll be able to help you.