Your lender doesn’t want you to lose your home—believe it or not, foreclosure is costly for them too. If you’re falling behind on payments or know you’re about to, call them as soon as possible. You might qualify for a forbearance (pausing payments temporarily), a repayment plan, or even a loan modification that adjusts your interest rate or extends the loan term to lower your monthly payment. The sooner you reach out, the more options you have.