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Debt consolidation loan helps to reduce your monthly payments while satisfying your credit obligations without the stigma of non-payment or bankruptcy.  Find lenders in your area who can help.

Refinancing replaces your existing loan with another loan for the same amount but different terms (interest rate, length, etc.).  Recent tightening of lending guidelines, credit and income considerations make it more difficult to quality for a loan but it is possible.  Find lenders in your area who can help.

Stop foreclosure loan is a mortgage or home loan that pays off your current loan giving you an opportunity to start over.  Equity in your home may result in your new loan payments being significantly less than your current mortgage payment.

Loan Modification is when the lender modifies your current mortgage in order to work with you and make your mortgage more affordable.