What if I am behind or having trouble paying my mortgage?
-You may qualify for a loan modification (only on your 1st lien) IF the home is your primary residence, your payment is more than 31% of your gross monthly income and if you loan is within current Fannie/Freddie limits.
What if I am not close to foreclosing, but am struggling?
-You may be eligible to refinance into a fixed loan IF the loan is held by Fannie/Freddie and IF you owe less than 105% of the home's current value on your 1st mortgage.
What are other ways I can get some relief?
-If you make some "green" changes to your home, you can get back 30% of expenses up to $1500
(Source: The Virginian-Pilot )
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