Millions of homeowners are having difficulties keeping up with their mortgage. Here are several options that can help beleaguered homeowners.   Understand these options and identify which is best for your situation.  Mortgage Loan ModificationWith mortgage modification, the lender will modify the terms of your loan.   You can get several modification plans from the lender.   The lender might lower your interest rate or will fix the rates if your mortgage has adjustable rates.   The lender can also extend the term of . More »