programs or grant assistance. Visit the Websites of the nonprofit organization NeighborWorks America, www.nw.org, and the U.S. Department of Housing and Urban Development, www.hud.gov, to identify a housing counseling agency in your area. When you see a potential problem arising, it’s important to contact your lender because there may be programs in place to assist you. In the end, you may need to be prepared to negotiate a refinancing, because if the home goes into foreclosure, “the lender loses money too,” notes Jesse Miller, director of ACORN Housing, a nonprofit housing counseling agency. Finally, consider selling the property outright before late charges pile up and your credit is totally ruined.