Call your lender, ask to speak with someone in their "work out" department, and ask to renegotiate the following terms: 1) a lower principal, 2) a lower interest rate, and 3) a longer amortization period (especially if they won't go for lowering the principal).

Hi Mary: Sorry to hear of your frustrations. I am a certified mortgage planner in Appleton aqnd would be happy to provide a no obligation consultation to review your options. In today's market there are so many variables. It is best to sit down with a trusted advisor to review your situation. We are here to help anyway we can.

Mary;

Sorry to mhear about you lender issues. A lot of lenders today are happy to work with you...it is xheaper than foreclosing on a home. Who is your lender? If it is a major one, I may be able to give you a contact....you should be able to do a loanmod yourself....don't pay an outside service.

cindi