6 Options When You Can’t Make Your Mortgage Payment – If no longer being able to make your mortgage payment is a reality for you, here are 6 of the most commonly practiced and accepted options for any homeowner in this position. Loan or Mortgage Modification.

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2 Ways to Pay Your Mortgage With a Credit Card. Even if you do everything right, paying your mortgage with a credit card takes a little work. Although there are several ways to pay your rent with a credit card, unfortunately, most mortgage companies don’t offer this option. So, we have to get a bit creative.

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You can make one payment to pay the escrow shortage in full, or you can spread the shortage amount equally over the next 12 months, adding it to your monthly mortgage payment. To pay the escrow shortage, please use the coupon included with your escrow analysis statement.

I Can’t Make a Mortgage Payment. There are many, many reasons why homeowners get behind on their mortgages, from job losses and health crises to rising interest rates, victimization by fraudsters, and overwhelming debt loads to name a few. Regardless, we can help you get back on track. You just need to call us.

Let’s say you want to make your payment now. But you’re also using one hand to practice your yo-yo skills. Or maybe you’re driving. Or for whatever reason, you’re not able to make an online payment right now or bother with the mail. Phone to the rescue. Just call 888-480-2432 and follow the instructions to make an automated phone payment.

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your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner’s association dues, if applicable) is more than 31 percent of your current gross income; and. you can’t afford your mortgage payment because of a financial hardship, like a job loss or medical bills.

Instead of waiting until you don’t have the money to make your mortgage payment, begin working on the issue as soon as you realize financial problems are looming. Talk to your loan servicer about your situation. If you’ll be relying on your savings to pay the bills, look for ways to cut expenses so your available cash will last longer.