It can be very difficult to catch up on missed mortgage payments once you fall significantly behind. Explore all options, including selling your home or negotiating with the lender. Act early if you are facing foreclosure. Don't hide from the situation out of embarrassment or fear. Reach out for help from banks and real estate professionals, You likely have equity in your home even if you are behind on payments. Get a professional valuation and payoff amount from the bank to understand your equity position.