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Call your Mortgage Company.
You should contact your mortgage company as soon as you know you will have difficulty meeting your mortgage payments.  You do not have to wait until your interest rate re-sets, nor do you have to wait until you are already behind in your payments.  In fact, the sooner you call, the more options will be available to you.  No matter what your situation is, CALL TODAY. 
Click here for a complete list of Mortgage Companies.
What if I don't want to call my Mortgage Company?
Call the Homeowners HOPE™ Hotline - 888-995-HOPE™. This hotline is staffed by HUD-approved credit counselors who can guide you through possible options.
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