What should a struggling homeowner do?

Contacting your mortgage servicer directly, before you fall seriously behind, is usually the first and most important step for a struggling homeowner, since servicers have loan modification and forbearance options that become harder to access the further behind you get. A HUD-approved housing counselor can review your situation for free and explain realistic options, including a short sale or a straightforward sale, without the pressure of a sales pitch. Waiting until foreclosure proceedings begin narrows your options significantly. Joel Boss works with struggling homeowners across North Metro Atlanta and keeps those conversations confidential.