This just in from ATCAA’s incredible Housing Resources program – thanks, Susz!:

Are you behind on your mortgage or in danger of missing a payment due to job loss, decreased hours, loss of wages, poor economy, injury or illness? We may be able to help you lower your payment. All our services are free of any charge & available for all homeowners living in Tuolumne, Calaveras or Amador. Click on the links below for information on the President’s newest re-finance and loan modification programs. If you qualify and you live in Tuolumne County, please call 533-1397 x231 & leave a message or email Susz at slay@atcaa.org. Due to the high volume of calls we are only able to return calls on Fridays. Emails are answered daily.

The links:

• To find out if you are eligible for a Home Affordable Refinance plan or a Home Affordable Modification, please visit the eligibility page of www.makinghomeaffordable.gov: http://www.makinghomeaffordable.gov/eligibility.html.
• Trouble deciphering your mortgage statement? You’re not alone. So many people have trouble puzzling through their statements, there’s a whole website to help! Visit http://www.makinghomeaffordable.gov/understanding_statement.html to check it out!