Dear Friend,

Chances are that you, like other people, are aware of the problems in the real estate market. Foreclosures are at a record high. You may even have been suffering from foreclosure fever a little yourself. Perhaps you have a loan with an adjustable rate that has gone up sky high? If thats the case, then you may be struggling to make your mortgage payments and wondering if you will soon be joining the dismal statistics of those who are in foreclosure. In some states, such as California, Florida and Nevada, foreclosures run into the hundreds of thousands.

Perhaps you recently lost your job and are having a hard time finding another job. The unemployment rate has been sky high lately. If you are one of the unlucky people who has found themselves out of work and is now struggling to make the mortgage payments, you may be worried about foreclosure and looking for ways to avoid foreclosure.

Or perhaps you are one of the folks who was preyed upon by lenders who wanted to give you a loan that you really couldnt afford but took after some smooth talking. Now the rate of the loan has gone up and you are scrambling to try to make the payments.

Like you, I struggled to pay my mortgage. I had a loan that was an adjustable rate mortgage and then I lost my job. It was a double whammy and I was really wondering how I was going to get out of going into foreclosure. I spent a lot of time researching the matter and come up with some ways that managed to keep me in my house. When I combined the tips together, I ended up realizing that I was able to stay in my house. I vowed right then and there that if I managed to stave off foreclosure, I would share my tips with others.

Well, a year has come and gone and I am still in my home. My mortgage is no longer a problem for me to pay and I am about to make good on my promise and share my tips on how to avoid foreclosure. Now you, too, can stop foreclosure from happening to you....