"The Home Ownership Preservation Foundation" (HOPE).
This foundation helps people avoid forclosures. Their website suggests they help for free. And that they are non-profit and provides HUD approved counselors.
As per their website they do not just provide general guidance, but they also help take you action. And sooner we call them, more options we may have. They might be able to reduce mortgage payment as well as property tax.
It is worth knowing that they do not help with downpayment or mortgage. What they do it help you connect with some local non-profit resources that may be of assistance. They also have relationship with lending agencies and mortgage companies. Due to which they might be able to work out some solution with them.
Here is their website. http://www.995hope.org/
Here is their hotline. 888-995-HOPE
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