If your payments have adjusted upward and financial disaster is on the horizon, here's information to help you avoid foreclosure and keep your home.

Free and Low-Cost Counseling from the U.S. Department of Housing and Urban Development:

800-569-4287

For Members of the U.S. Military Service

At your request, lenders must reduce the interest rate to no more than 6% per year during the period of active military service and recalculate your payments to reflect the lower rate. This provision applies to both conventional and government-insured mortgages.

For more information and to locate a contact inn your area, go to:

http://legalassistance.law.af.mil/content/locator.php