Do you have the means to be able to afford your mortgage or are very close to it?

Your mortgage company may be able to modify your interest rate and/or your principal balance and even the number of years you have to pay your loan back.

In most cases you will need to provide your bank with a detailed financial statement which they will provide you with, 2-6 months bank statements, 2 weeks pay stubs and 2 year tax returns with W2 forms.

Most banks will work with you to help you keep your house if you qualify.