If you are facing foreclosure, it's important to know what steps to take and what resources are available to help you.
Steps to Take
Talk with your lender. When homes go into foreclosure, lenders lose money. They can sometimes offer ways to help you.
Contact a counseling agency. A counselor can explain the law and your options, and help you review your budget. You can find the nearest free HUD certified counselor here http://www.nwmt.org/
Open all mail from your lender. The notices may offer good information to help you avoid foreclosure, or may notify you of pending legal action.
Do not use companies that offer help for a fee. This is money wasted. You can get free help as noted above.
Beware of scams. If someone claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may be signing over the title to your property.
The federal government's HOPE for Homeowners Program enables certain borrowers who are struggling with their mortgage payments to refinance into a much more affordable FHA-Insured mortgage.
Tips for avoiding foreclosure is available from the U.S. Department of Housing and Urban Development.
Other useful information: Foreclosure prevention.