The first thing you should do if you are behind in your mortgage payment, is, call your Mortgage Lender and ask for their help, says Elkhart REALTOR Evelyn Johnston with Prudential One Realty.  Your Mortgage Lender does not want your home back, they are in the business to loan money, and accept deposits.

Give your Mortgage Lender the opportunity to modify your loan, if possible, and stay in the home.  Do not move out!  Once you leave the home the Mortgage Lender can accelerate the foreclosure process and take possession of the home, when there may have been a chance for you to keep it.

If you have concerns about your situation, call a government approved counselor like La Casa Goshen, they are a non profit agency who is paid with grant money based on the number of homeowners they help in the community.  For Real Estate questions, call your Elkhart Real Estate Expert Evelyn Johnston at 574-304-7148.