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This couple of years can viewed as blessing or feel including a curse. That time of year is tax Season. Whether you still need to file, formerly received your refund, or are just waiting for the statement from IRS confirming the amount you owe, in only a couple days on April 15th (April 18th for people that owe), your anticipation, either good or bad, is coming to an end.
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If a person fighting noticable monthly payments for necessities like rent, mortgage, utilities or even food, this temporary windfall is your chance to get current on such premiums.
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After gathering information, documenting your situation and seeking professional advice, if your reality generally a "deal" isn't possible and your home must be sold, use the lender to figure out a to help keep the home from going all means to repo. There are options like a Deed rather than of Foreclosure, a short sale while. None are particularly pretty, but they are a damn sight better than getting an "F" - for "Foreclosure" - onto your credit state they experience.
However, as history unfolds, the government stepped around their programs, and spread mortgages, from what was originally around 5 years, to 20-30 year loans, making it simpler for others to finance their properties. All in all, though debatable, this seems like an outstanding step for America, now someone with good credit can own a home without the huge down payment.