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Regardless of the time and careful consideration most of us put into the decision to buy a home, unforeseen circumstances have forced many people into foreclosure.

If you find yourself near that point, don't let fear of foreclosure push you even closer to losing your home. There are ways you can stop the foreclosure process. You can always try to:

• Communicate with Your Lender: The worst thing you can do is refuse to respond because that could leave the bank no other option than to take legal action.
• Modify Your Loan: Loan modifications are permanent changes to your mortgage. If you have a fixed-rate loan, this might include extending the period of time you have to pay your loan off or lowering your interest rate to reduce your monthly payment.
• Emergency Mortgage Assistance Programs: Unlike scam artists who will try to charge you money or even trick you into signing your deed over to them, these organizations are government funded and free of charge.

Full list at HowStuffWorks.com.

Total aggregation of HowStuffWorks.com.

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