In order to maintain control, you may want to consider tackling most of the items on the list directly with your lender versus involving a third party.  The last few items may require the services of an attorney or a REALTOR®.  Keep in mind that Bankruptcy attorneys are incentivized to assist with bankruptcies and REALTORs are incentivized to sell homes.  Find professionals you can trust, who are experienced and established enough to guide you toward your best interests regardless of incentives.

• ð        Bring your loan current and maintain regular payments on time.
• ð        Work out a repayment plan.
• ð        Refinance your home with better rates and terms.
• ð        Modify your current loan with your Lender.
• ð        Rent your home and make the mortgage payments to your Lender.
• ð        Sell your home and pay off the loan amount due.
• ð        Borrow money from a relative or friend to bring your payments current.
• ð        Get protection under the Service Members Civil Relief Act (SMCRA).
• ð        Enter into a Deed In Lieu of Foreclosure or "friendly foreclosure."
• ð        File for Bankruptcy protection to stall the foreclosure process.
• ð        Sell your home in a "short sale" subject to lender approval.  

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Note: This article provides general information only. Information is not provided as advice for a specific matter. Laws vary from state to state. For advice on a specific matter, consult your attorney or CPA.