{"id":157,"date":"2018-11-26T12:39:18","date_gmt":"2018-11-26T12:39:18","guid":{"rendered":"http:\/\/mortgagemodificationri.com\/blog\/?p=157"},"modified":"2019-02-05T03:26:06","modified_gmt":"2019-02-05T03:26:06","slug":"my-mortgage-payment-is-too-high","status":"publish","type":"post","link":"http:\/\/mortgagemodificationri.com\/blog\/2018\/11\/26\/my-mortgage-payment-is-too-high\/","title":{"rendered":"My Mortgage Payment is too High \u2013 What are my Options?"},"content":{"rendered":"<p>At one point or another throughout the course of a mortgage, a homeowner may feel that the mortgage payment is too high to be able to comfortably afford it. The homeowner may find that too much of their income is being tied up with the mortgage, and the homeowner may be coming up short for other bills or financial responsibilities. The homeowners could be experiencing a hardship or loss of income, or the homeowners could have an <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100\/\">adjustable rate mortgage<\/a> that has caused the payment to become too high.<\/p>\n<p>Once a homeowner realizes that the mortgage payment is too high, the homeowner should evaluate the financial situation. Did the mortgage payment change, or did the homeowner\u2019s income change? Were there fees charged? Is it possible that the mortgage company made a mistake? Have the taxes or the insurance of the home simply become too high? Knowing the answers to these questions, and having a good idea of the financial situation as a whole, will help homeowners know which way to proceed.<\/p>\n\n\n<h2 class=\"wp-block-heading\">The Mortgage Modification Center<\/h2>\n\n\n\n<p>\nIf you are struggling to make your mortgage payments, you may have options. For example, a homeowner may benefit from a <a href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/09\/18\/what-is-a-mortgage-modification\/\">mortgage modification<\/a>, which changes the terms of the loan to allow a family to stay in their home. <a href=\"http:\/\/mortgagemodificationri.com\/\">The Mortgage Modification Center<\/a>, with <a href=\"https:\/\/www.law-ri.com\/\">Attorney John S. Simonian<\/a>, offers a free initial consultation to discuss your particular financial situation. Please reach out to the Mortgage Modification Center at (401) 467-7998 for more information.\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At one point or another throughout the course of a mortgage, a homeowner may feel that the mortgage payment is too high to be able to comfortably afford it. The homeowner may find that too much of their income is &hellip;<a class=\"rm\" href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/11\/26\/my-mortgage-payment-is-too-high\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[60,3],"tags":[41,54,24,45],"class_list":["post-157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-modification","category-mortgage-modification","tag-cant-pay-mortgage","tag-mortgage-modification-attorney","tag-mortgage-modification-center","tag-mortgage-payment-too-high"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>My Mortgage Payment is too High &#8226; Mortgage Modification Center &#8226; RI<\/title>\n<meta name=\"description\" content=\"Is your mortgage payment too high? 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