You are not alone if you are struggling right now with your mortgage payments. With home ownership at an all-time high and some questionable lending practices over the recent years, many people now find themselves in a bind keeping up with their bills. No matter what kind of mortgage you have, you need to understand your options and work with your lender and experts to avoid losing your home if at all possible. Following is a brochure put out by NAR (the National Association of Realtors) that may help you. Click here.