Behind on your mortgage? Don’t just sit idly by

You’re behind in your mortgage and you know it is going to happen very shortly.

You don’t have any idea how you can pay it. You don’t even want to think about it.

You try to put it out of your mind, but it just won’t go away.

You don’t want to talk to anyone about it, but communication is critical to creating a positive outcome.

Take your head out of the sand and talk it over with your spouse or any other party who is responsible for the mortgage.

Be open, honest, get your feelings out and work out a plan. Don’t play the blame game. That only wastes valuable time and energy.

Open lines of communication with your lender. Don’t ignore phone calls or mail from the lender. It will not go away! If a loan modification does not work out, then a short sale is the next best solution to avoid foreclosure.

Maintain a diligent record of all calls/emails to/from your lender. Save every piece of mail sent to you.

Stop pretending that there is nothing wrong. Share your problem with family and close friends. You will be happy you don’t have to go around and try to hide the fact that you are having a mortgage problem.

Stress will be relieved if you let your family and friends support you. Talk to them!

An experienced short sale agent can and will be able to advise and guide you. If a short sale is a viable option, the agent will handle all aspects of the sale and relieve you of the tremendous amount of stress and pressure you are experiencing.

If you have already been served a foreclosure notice, you are eligible in CT to go through the foreclosure mediation program which will not cost you a dime. See for more information.

If you are missing mortgage payments (or doing so is imminent), do not just let foreclosure happen. Communication is critical to a successful outcome and relieving some of that overwhelming stress.

For more information, contact Barbara Altieri, licensed Realtor with RealtyQuest, 30 Huntington Street, Shelton, at 203-520-6930 or

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