You may qualify if you are experiencing any one of the following:

• Inability to refinance due to high Loan To Value (LTV) or loss of equity

• Inability to refinance due to lack of positive credit or late mortgage payments

• Rate currently adjusting or going to adjust

• Do you have a "Pick-A-Pay" or Minimum Payment Loan

• Financial hardship (job loss, pay reduction, medical bills, divorce, etc)

• Facing Foreclosure

Many banks and other lenders are more than willing to work with you.
They don't want foreclosure any more than you do.