Attempt providing your loan company the opportunity to help you with mortgage payment issues. If you struggle to make payments, do not ignore your lender's services. If you have an FHA mortgage, there are various new programs to help you keep up with your mortgage payments like forbearance. Lenders are generally happy to work out any delinquent loans via loan modifications, or possibly short sales if you can't afford to keep your home. Communication is key, although it can be difficult to deal with them over this.