Here is a government site to help you determine if you are eleigable to recieve help with your home mortgage.
http://www.makinghomeaffordable.gov/index.html
Learn About Making Home Affordable
Refinancing
Many homeowners pay their mortgages on time but are not able to refinance to take advantage of today’s lower mortgage rates perhaps due to a decrease in the value of their home.
Modification
Many homeowners are struggling to make their monthly mortgage payments perhaps because their interest rate has increased or they have less income.
