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Talk with your mortgage company. Once you get concrete information about possible options available, you can build confidence in your ability to handle this challenge.
Relax and stay calm. It’s perfectly normal to be anxious and fearful the first time you call your lender about missing payments. Just be polite and as clear and concise as you can in telling what happened.
Be persistent and patient. You may be put on hold and passed around to different people before you can get the help you need.
Maintain a written record of all your communications with your lender. Note the time of the contact, who you contacted, that person’s name and direct number, what you said or wrote, and what resulted from the communication.
Expect back-and-forth calls. It may seem frustrating, and even intimidating, but keep your cool. Commit to the process — however long it takes — and do whatever is necessary to get things right.
Consumer Action provides excellent guidance on communicating with your lender.