"As a Result of the Government Shut Down, my job is now lost. I can no longer afford my mortgage payments, what are my options?"

Here are some immediate steps and options you might want to consider:

• Contact your mortgage servicer as soon as possible. Explain your situation and ask about available hardship options. Many lenders offer forbearance, payment reduction, or modification programs for those experiencing income loss.

• Explore government programs. In times of national crisis or government shutdowns, federal and local agencies sometimes offer special relief programs or moratoriums on foreclosures. Check the official websites for HUD (U.S. Department of Housing and Urban Development) and your state's housing agency.

• Research unemployment mortgage assistance programs. Some states have special funds or programs for homeowners who lose their jobs due to no fault of their own.

• Review your finances and budget. Prioritize essential expenses and look for areas to reduce spending temporarily.

• Seek housing counseling. HUD-approved housing counselors can offer free or low-cost guidance on your options and help you work with your lender.

AND OF COURSE, CONTACT ME, YOUR REALTOR!! Wes Stolsek, OMNI Homes International, 520-404-9773. I can refer you to the right people to help.