Up front communication is always the best action to take when you are experiencing debt problems. If you are concerned that you may miss several monthly payments on your mortgage or home loan, talk to your lender and discuss the options. The bank in most cases would rather avoid an expensive foreclosure and possibly lose money. Many consumers go through temporary financial difficulties and then recover. They are able to pick up where they left off in terms of paying their monthly bills including their mortgage payments. This is true for home owners living in Baltimore, Maryland and other areas around the country. Options the Bank May Consider Loan officers at banks generally do not want to push anyone into foreclosure. They would rather work things out and keep the homeowner in their home. It is good for business and they develop a loyal customer if a solution can be worked out. Of course this means that the consumer is up front with them and communicates their situation as ea