Unfortunately, your current position is common, fortunately, there is help for you.
You can try to contact your mortgage company; typically they wonâ€™t help you until you are up to 90 days late. A lot of times when you call your mortgage company you will only reach the mortgage servicer who gets paid by collecting payments and they really have no say in changing your mortgage.
The option that most homeowners that want to keep their home are turning to is Mortgage Modification. With Modification you must be very careful who you choose to represent you, Mortgage Modification attorneys are the best solution for this as they get results, unlike what a licensed Loan Officer or Realtor can get you. Our attorneys are averaging 20-50% reductions and you don't have to wait for 90 days to start the process. You can start now, if you want to save your credit. Also, a guarantee is extremely important for your safety.
If you would like more info, call or email me.
Choice Loan Consultant