If you are having problems paying your mortgage and find yourself in foreclosure, one of the best things you can do is to contact your lender and try to negotiate a plan for the restructuring of your loan.
In today's real estate market, many people are finding themselves overburdened with high interest, adjustable rate loans with payments that keep getting higher. To counter this, you need to be proactive and persistent with your lender, especially if you are falling behind on your payments.
If you're behind on your mortgage and you want to save your home from foreclosure, it may be time to talk seriously with your lender. Nothing can be accomplished if you don't try.