| Option | Description | Pros | Cons |
|---|---|---|---|
| Forbearance | |||
| Loan Modification | |||
| Refinancing | |||
| Debt Consolidation | |||
| Short Sale or Deed in Lieu |
- Attend workshops offered by non-profit agencies to learn negotiation skills.
- Keep digital records of communications with lenders for transparency.
- Stay informed about legislative changes affecting mortgage assistance programs.
- Celebrate each step forward regardless of size; celebrations reinforce commitment.