There are a few other options as well. Talking to someone who is skilled in the topic can help you work through absolutely every option you may have. Although these options are not available to anyone, you can always look into it to make sure so that you do not jump into foreclosure when you do not have to. Most of the time, you have to have gone through a rough financial change. If you have always had problems making payments then it may be even harder for you to access these options. It is for those who are responsible but have gone through something out of their control. Just remember to ask about and search for other options because people are there to help you.