Check with your bank, I know I have the option of missing one mortgage payment per year, as long as all my other payments have been on time. I have done it once, it doesn't affect your credit rating, but it does add it to the end of your mortgage. They may be able to set it up retroactive. Sharon
I would definitely call the bank and explain the situation. If you can send them anything at all, do it. My neighbor is in foreclosure, and they were about 6 months behind before the bank filed the notice of default.
I would definately call your mortgage holder! Don't go without corresponding with them. They often have programs where they are able to help you if you fall behind. It is worth a try, don't ignore them.
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Sharon
Edited 1/26/2009 4:37 pm ET by ileea
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