If you are having trouble making your payments, contact your loan servicer to discuss your choices as early as you can. The longer you wait to call, the less choices you will have.

Many loan servicers are broadening the options offered to borrowers - it deserves calling your servicer even if your demand has actually been turned down in the past. Servicers are getting great deals of calls: Be client, and be persistent if you do not reach your servicer on the very first shot.

- You may get approved for a loan modification under the Making Home Affordable Modification Program (HAMP) if:

• your home is your main house