What should I do if I miss mortgage payments?

Never ignore calls or letters from your lender requesting payment.

Instead, contact your lender immediately if you are having problems paying your mortgage. Tell them what’s going on financially and be prepared to provide specific details about your situation such as information about your income and expenses each month. 
Don’t abandon your home, as you may not qualify for assistance if you do.
Contact a HUD-approved housing counseling agency and speak with a counselor.