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When you have your records together, make the call. Tell your lender as soon as you know you’re going to fall behind on your payments.
People avoid doing this because they’re afraid the lender will start to foreclose on them. But, according to a TowerGroup study, mortgage companies lose about $58,000 per foreclosure so it’s good business for them to keep you in your home, if possible.
Remember these points:
Work with your lender. You can work with your lender to find a solution that avoids foreclosure. Lenders are required to look at options that can help you keep your home. They could offer you special programs to make that happen.
Be the first to call. Call your lender first for help rather than waiting until your lender contacts you. Over half of all homeowners in foreclosure didn’t do that after falling behind on their mortgage payments. If you call your lender when you’re one or two payments behind, you’re more likely to keep your home than after you’ve missed three or more payments.
Open your mail. If you get a delinquency notice from your lender, open it and respond to it. If you ignore it, you could get other notices telling you that you’re facing legal action. Claiming ignorance because you didn’t open the mail isn’t a valid defense in foreclosure proceedings.
Know your rights. You have rights as a mortgage holder, even if you face foreclosure. Find and read through your loan documents so you’ll know what action your lender can take against you.
Keep records. Keep a written record of all your communications with your lender — phone, fax, online, surface mail, etc. Write down the time of the contact, whom you contacted, what you said or wrote, and what resulted from the communication.