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If you are behind on your mortgage time is your enemy. Act now and make a plan to move forward. Call your lender, and then find someone who can give you the perspective you need to make an informed decision. Do not let emotion cloud your ability to make a good plan. Your financial future may hang in the balance.

The right advisor can explain the options you have and how the bank will look at them.

Banks will protect their interest, so you must prove that your plan is better for the bank than foreclosure. Don’t believe empty promises from unqualified salespeople. Know your options, and the impact they will have on you.