Most peopl sayn talk to your lender but the reality is that you really need to start by speaking with the servicing agent. Sometimes the lender and servicer are the same b ut nmorde often than not the servicing agent is different. It is the servicier who can explain what your options are. Often time they can provide you with option such as atemporary hardship deferrment or a forbearance. Find out what the qualification are for each.
