Right now, part of the government bailout program includes official help for individuals struggling to make mortgage payments, but even before that was initiated there were a few steps homeowners could take to remain in your home. Here are some tips for what to do if you find yourself struggling financially and unable to keep up with your current mortgage:

Be Willing to Get Help

The most common response for families who are struggling financially is to throw their hands up in despair and give up. If you are willing to get some help and take action instead of just sitting back and letting what happens, happen – you'll be in a better position to make it through the financial hurdle while remaining in your home. People who are persistent often have the best results in getting assistance and support.

Your Mortgage Company

The first place you should look for help is with the company that holds your mortgage. When their customers foreclose on homes, they lose a lot of money, so they're often willing to work with you to help prevent another foreclosure. Don't wait until you are a month or two behind to call; make the call as soon as you think you'll have difficulty making the mortgage payment for the first time, or if you're struggling to pay all of your monthly payments. They may have a temporary hardship program with a lower monthly payment to help you through a rough financial patch.

Non-Profit Housing Counselor

A Non-profit housing counselor can help you by renegotiating your mortgage terms with your existing company or helping you re-finance your loan. Visit visit NeighborWorksAmerica and Hope Now to get help.

Certified housing counselors are also available through the National Foundation for Credit Counseling at HousingHelpNow. Keep in mind that these housing counselors are not supposed to charge you money and if they attempt to charge a fee for their services you should know they are a fraud.

Veteran Affairs

If you are a veteran or have a VA loan, there is additional help available to you through the U.S. Department of Veterans Affairs which is provided at no charge. The Department of Veterans Affairs can help negotiate with your loan servicer to set up a different payment agreement. You can call them toll free, at 1-877-827-3702.

What You'll Need to Do

In order for companies or lenders to give you assistance and enable you to remain in your home, you should expect a thorough review of your financial situation. You'll likely need to provide proof of employment, recent pay stubs, tax returns and a record of your debts to show why you are struggling to make your payments.