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Unexpected debt and financial troubles are always a hassle. Sometimes, these hassles can become very serious and a solution has to be established to keep you and your family out of financial danger. If you find yourself in a situation where you are trying to avoid foreclosure on your house, refinancing may be the best option.

If you have decided to go through with refinancing, then let the following steps below serve you as a guide to help make the process just a bit easier for you:

A) The most important thing to do (if refinancing is the route you have chosen to take) is to plan for it as soon as possible. Don’t wait till two months past your mortgage payment due date. If you want to be approved for refinancing, acting quick is a must.

B) The next thing to do is to try and get that mortgage payment pushed back as far as possible. Get in touch with your lender and ask for a ‘deferred payment mortgage’. This may not buy you that much time (usually around three months), but if you’re only facing a small short-term financial issue, then this should be all you need.

C) Once the above is completed, or at least has been attempted, it is time to meet with a mortgage broker and see if a new mortgage plan can be offered to you with lower interest rates. If not, see if your mortgage loan term can be extended to lower your monthly payment.

D) Try and keep in touch with your broker and notify him that you are dealing with the situation at hand. This will let him know that you are doing your best to resolve your mortgage issues and may possibly delay or completely prevent foreclosure proceedings.