[jeremyg]

the question is a little vague. How far are you behind in your payments? Who is your loan with? I'm sure you are aware that IndyMac foreclosures have been halted by the FDIC. Regardless of whether your loan is with them or not there are several options you have. First go look at this timeline to see the timeline for a foreclosure to take place in your state. That should give you a better idea of how long the process can take. Also it doesn't hurt to talk a Loan modification service. They deal with foreclosures and loss mitigation. Were you in an arm loan, were you a victim of predatory lendin?. Anyway, there is alot that could factor in. I'd talk to a specialist. Good Luck! Hope this was somewhat helpful.