Here is a quick review of options that you have to make a deal to save your home.

Repayment Plan

You can negotiate with your lender to increase your future payments if you have financial documents showing that you will have a substantial increase in income in the future. You are seeking to pay less now to pay more later.

Loan Forbearance

Are you expecting a tax refund, bonus from work or a legal settlement? If so, you may be able to temporarily suspend payments until you get your financial situation in order. A temporary reduction in your payment obligation or temporary suspension of payments may be a viable option for you.

Reinstate Loan

Can you catch up? Has your financial situation improved? If so, you can pay the amount past due to your lender. However, if you have fallen behind you may not have the money to reinstate your loan.