How to get mortgage help.

In addition to the various mortgage assistance programs being offered by banks, state governments, lenders, and the federal government, there are numerous steps that you can take yourself to get mortgage help and to save your home.

The first step you should take is to know your mortgage. For example, do you have a fixed interest rate loan, an adjustable rate ARM, a hybrid adjustable rate mortgage, interest only loan, or some other type of loan?

Then, understand what options you may have to take control of your situation and what type of mortgage options are available to you. You can either contact your loan servicer, which may or may not be a bank, or you can work through a mortgage counselor in an effort to get mortgage help. Also, be sure to learn about both state and federal assistance programs.

One of the more popular mortgage assistance options today for homeowners is contacting your servicer to get a loan modification, which can involve either reducing your interest rate, extending your payment terms, adjusting your principal, or more.

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