With more and more Americans grappling with filing for a mortgage foreclosure, an abundance of resources are available for homeowners at risk of losing their property. Three factors contribute to the foreclosure conundrum that our nation faces:

● Unethical to irresponsible lending practices

● Job loss and a slowing economy

● Adjustable rate mortgages with ballooning payments

● Dwindling home prices

● Major medical expenses

During the first quarter of 2008, more than 8 million American homeowners held mortgages that exceeded their home's value. Please use the following organizations, federally funded agencies and government sponsored web sites to save a home, prevent foreclosure and regain control of mortgage payments:

 -- Federal Trade Commission Mortgage Information.