Behind on mortgage payments? 6 ways to catch up

If you're behind on mortgage payments, options include forbearance, loan modification, a repayment plan, refinancing, reducing expenses, or applying for assistance funds. Forbearance temporarily suspends or reduces payments, while loan modification permanently changes the interest rate or term. A repayment plan involves resuming regular payments plus missed installments. Refinancing is suitable if interest rates have dropped. Reducing expenses involves revisiting costs like insurance premiums or property taxes. Assistance funds may be available from state or professional organizations.