 You feel petrified. You're struggling with your mortgage payments. Not knowing what to do. You do nothing. But if you do something, you're far more likely to get the most positive outcome. Making Home Affordable is a free government program. Call 888-995-HOPE to talk one-on-one with a housing expert about your options. Call 888-995-HOPE or visit makinghomeaffordable.gov. Brought to you by the U.S. Treasury, HUD, and the Ad Council.