i can’t pay my mortgage what are my options

Having trouble paying your mortgage? Don’t panic – you have several options. And you’re not alone. About 1 out of every 20 American homeowners is behind on mortgage payments, according to.

If no longer being able to make your mortgage payment is a reality for you, here are 6 of the most commonly practiced and accepted options for any homeowner in this position. Loan or Mortgage Modification. This is a good place to start when you feel the mortgage payment growing to a place you can no longer handle it.

You probably have a number of ways to pay off a mortgage faster.. Related: When to refinance (I need to lower my mortgage rate or payment). But that doesn't necessarily mean you can't pay off a mortgage faster.. The two refinance options above are the big-bang ways to shorten the time before you're .

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Now That I Lost My Job, I Need Help with the Mortgage. Whether you’re a long-term homeowner or you just recently bought a house before losing your job, paying the mortgage is likely a huge concern. But don’t panic yet, there may be options out there to help you continue to cover your mortgage payments.

If you can’t afford to pay your mortgage, but you still have a few months to go, selling your home could be a good option. In order for this to be an option at all, your house needs to sell for at least enough to pay your mortgage, and your agent’s fees.

But if you’re struggling to pay your mortgage, relaxation is probably the last thing on your mind. feeling panic every time you pay a bill or check your bank account is not a good way to live. If you’re struggling to pay your mortgage, you’ve got to do something-and you need to do something now .