It's time to take action and explore the options when you can't make your mortgage payment or afraid you'll default on your payments.

Facing the problem early on may mean the difference between keeping and losing your property. Remember, lenders want payment, not property. You have alternatives to dealing with your mortgage debt that may be better than foreclosure.

Refinancing, mortgage modification (government and private lender options), special forbearance, short sale, deed in lieu of foreclosure and bankruptcy are among the methods that may work for you.

Find out more about the options you have below.