Foreclosure & Mortgage Options

What is the name of your state? NH

First, many thanks for the people that will truly answer my question.

I'm looking for real solutions and options to a mortgage issue... basically, when I refinanced I didn't Escrow. So now I'm stuck trying to keep up with high town taxes, plus the Monthly mortgage, as well as gas, daycare, food, electric, etc.. etc..

Essentially, I need more money and I know what option A. is:
get a 2nd job. Which I plan on doing, however I still have an immediate need to:
B. Pay my mortgage on time
C. Come up with $2,000 in about a week
D. If I can't keep up with the mortgage - how do I avoid foreclosure and losing my house?

As of right now this second, I owe the mortgage company about $2,000. If I miss this payment, they go to the next step. What are all the steps in foreclosure.

Advice Please:
Should I seek an attorney?
Is Bankruptcy the best option?
What other options do I have to avoid foreclosure? (getting a loan, cash from family/friends, and/or a 2nd job is not an option at this point. I need immediate solutions)

I think bankruptcy can save my home, however destory my credit - more than it already is. What otheroptions could I look into? I CAN'T LOSE MY HOME! Please, I beg for real help, support, and not worthless "get a job" reply posts or digging up my old posts. I guess some people have too much free time.

If an option is having you send me a check because your a millionaire, I will gladly give you my info! I need help.

I appreciate all of your advice!

[CJanssen]

Have you considered doing a refinance on the home? If your credit is as bad as you say, I'd look into something along the lines of a short term refinance loan. Look into something like a 2/38 (fixed rate for 2yrs, amortized over 40yrs to keep payments low) perhaps.

Consolidate your debt with the loan, which will help your fico scores and free up money obviously. A year or two later, you'll (hopefully) be debt free along with having perfect mortgage history so that you'd be able to refi again at a lower rate for the long term.

That's my 2 cents.

[Jakeskillet]

The federal funds rate, also known as the “fed funds” rate, is the interest rate charged when banks lend funds to one another. This is a short-term rate, or a rate that is two years or less in maturity. When Bernanke raises or lowers the fed funds rate, it affects mortgage rates that are tied to short-term interest rates, such as home equity rates and adjustable rates. When short-term rates fall, borrowing and spending usually increase. This can cause inflation, something the Federal Reserve wants to keep in control.
my advice is do your research, i cant stress that enough, visit [URL="http://www.smartrefinance.net"]www.smartrefinance.net[/URL] its a free guide to refinancing, it will help you plenty I assure you, knowledge is everything.

Jack