If you are a homeowner, you probably would not want to lose your house. you know that losing it is not an option. After you already bought it, losing it because of financial difficulties you experience would be the worst thing that can happen. In such a situation, you ca either contact a Short Sale Expert or try to deal with your mortgage lender on your own. Whatever your choice is, remember not to give up. Giving up is the last option you should choose. Who knows, maybe tomorrow you will wake up in more economically stable times and you will have no problems paying your mortgage loan. You never know what tomorrow will bring. Nobody knows it.