It's a question that's being asked by the thousands of homeowners across the country who bought into adjustable-rate mortgages a few years back, and are now facing absurd raises in their monthly mortgage payments.

If you have been caught up in the sub-prime mortgage crisis, or are under financial strain for any other reason and cannot make your mortgage payments, you must understand that you DO have options to stop foreclosure.

Do Not Avoid Your Lender!

If you're behind on your mortgage payments, the last thing you should do is avoid the problem and hope it will go away on its own. The idea that you might lose your home and face all the consequences that result from a foreclosure is very scary, but you must confront this issue to make sure you keep your home and your good credit.

A foreclosure can affect your credit in such a negative way that you may not be able to obtain another loan for many years to come, if at all.

Always stay in touch with your lender, and keep them up to date with current and accurate information.

You must NOT avoid this problem; it will not go away by itself. You must be aggressively proactive in finding a solution to your foreclosure crisis. You DO have options. Be sure to explore every possibility, and research all legal rights you have to save your home from foreclosure.

Know Your Mortgage Rights!

Find all documentation that was provided by your lender when you first signed your mortgage papers. In this documentation, you'll find information about what your lender can and cannot legally do if you have been delinquent on your mortgage payments. It is very important to understand your rights!

Learn the Foreclosure Laws in Your State.

Although the laws of foreclosure are generally similar nationwide, each state does have different laws regarding the foreclosure process.

Research your state's foreclosure laws extensively, so you know what rights you have.

Typically, each state has a different timeline for foreclosure proceedings, and this could potentially buy you valuable time.

What's your next step?

More info on your stop foreclosure information search:

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