\n\t\t\t\t
Contact your lender or servicer if you are struggling to make your mortgage payments and ask about your options.\u00a0<\/p>
When you avoid phone calls or procrastinate then you will only make the matters worse for you.\u00a0<\/p>
The loan modification application process differs from lender to lender; some lenders may require proof of hardship, while others may require a hardship letter giving an explanation as to why you need the modification.<\/p>
And you can file an appeal with your mortgage servicer if you are denied a loan modification.\u00a0<\/p>
Work with a HUD-approved housing counselor so they can assist you for free in taking the decision and helping you know your options.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t