Elijah Gunn, sorry to hear the bad news. I was just up in Birch Run for a gun show this last weekend. I was watching the news, just before the motel I was in caught on fire and burnt down, and seen a news clipping. They were talking about a help organization, that will help out with home foreclosure's. You might want to check into that,before you get behind in payments. Here in Ohio, they have come and said if you work with the bank/loan company, often times, they'll lower payments just so they don't have to go threw the foreclosure procedings. Much less paper work. But the one thing they emphasized, was you had to do this before getting behind in payments. Will pray for you. Good Luck!!gypsyman