With the rise in interest rates, foreclosures are estimated to reach some 500,000 this year.  Money might be somewhat time, so now’s the time to act not later.  Avoid becoming a statistic.  Take what action you can to avoid the F word.  If you’re struggling to pay your mortgage, call your lender and ask for suggestions how you can preserve your home and still satisfy your obligations.  Take a good look at your bills; if there’s anything you can trim back, do so.  Honestly assess your outflow versus your income and decide if you may need to sell and downsize.  The trick here is to act early before the deluge of phone calls asking for payments strikes, or worse, foreclosure on your loan.  With a touch of preventative action, it can be avoided.