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The worst problem is.... ignoring one!
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Don't ignore the problem, Speak Up!

  • The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house.
  • Do not ignore letters from your lender.
  • If you don't pay your mortgage, foreclosure may occur. This means your lender can legally repossess your home.
  • If your property is worth less than the total amount you owe, a deficiency judgment could be pursued, meaning you also would owe HUD money.
  • Know what kind of mortgage you have. Look on the original mortgage documents or call your mortgage lender.
  • You may have to pay expenses such as recording fees for a loan modification.
  • Both foreclosures and deficiency judgments could seriously affect your ability to qualify for credit in the future. So you should avoid foreclosure if at all possible.

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