It's amazing when I speak to homeowners facing foreclosure, and they inform that they have yet to speak with their lender. While I can be intimidating speaking to the lender when you're behind on payments, the best thing that you can do is let them know that you're behind, and you're working on getting caught up. This article gives some great advice on the subject.
The longer you go without speaking to the lender, the more difficult they can make it for you to get our of foreclosure.
Remember that you have options as a homeowner behind on payments, and you should explore every single one: whether you want to keep your home, or sell it, you should be doing your research.
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