 TITLE: How Can I Get a Mortgage Modification? CONTENT: Alternatives to Mortgage Modification\n-------------------------------------\nIf you do not qualify for mortgage modification, ask your lender about other options they may offer to help you avoid foreclosure. Potential options include:\n*   **Repayment plans**: If you've missed a few mortgage payments but are able to resume regular payments, a repayment plan can temporarily increase your monthly payments until you've repaid the amount you missed (plus interest), after which your payments will return to the normal amount.\n*   **Mortgage forbearance**: A forbearance plan suspends or reduces your payments for up to 12 months, after which you must resume regular payments and repay the payments excused during the forbearance period. Forbearance programs are designed for borrowers with temporary financial challenges.\n*   **Refinancing**: If you have good credit and interest rates are more favorable than they were when you got your original mortgage, it may be possible to refinance your mortgage—that is, replace your original loan with a new one with more affordable payments. END