It's important when you miss that first payment, whether it's inevidible that you will lose your home or whether you just need some time to get your fiances together - to start dealing with it.  Just because you've been successful in avoiding those nagging phone calls from your mortgage lender, it does not mean that they are just sitting there waiting for you to answer your phone.  They will start the foreclosure process.  We can walk you though the steps to avoid foreclosure or work with the lender in providing more time for you to get it together.  Especially if you have a hardship that is preventing you from making the monthly payments.  You are more than welcome to contact us.  The sooner you start dealing with the situation the better it will be for you in the long run.  You can contact Teresa at 810-7268 or Lee at 260-2713, via our website at www.fowleradvantage.com or e-mail at teresafowle@kw.com or sfowler220@nc.rr.com.