BuzzBeez, With the way the housing market is, talk to your mortgage company. In today's market most are willing to work with you, cause of so many foreclosures. Also, double check your mortgage statement/booklet, to see if you have a small grace period, like to mid-month without a late fee. Say pymnt due the 1st, you have until the 15th to make it without a late fee, or if you pay between the 16th and 30th, you might have a late fee tacked on. Anything after 30 days then your looking at reported on your credit reports. And basically after the 3rd missed house payment in a row, then mortage/banks start the foreclosure process. Not trying to worry you, but just trying to give you some ideas or options that you can check into, and/or be aware of,,,,,Also if you have any life insurance policies, you might be able to take a cash option out on those, basically as a loan, which you can repay in monthly installments. I know on my husband's policy, if we don't pay it back, the basic penalty will be when he passes, they insurance company will take the loan amount due right off the top of the insurance(say 100,000.00 policy, we take 10,000.00, no payback, they take the 10 to pay loan(dividends), and then we get the balance 90). Alot of times, people totally forget they may have this type of policy. (I think a Graded Premium or Whole Life), not term. Talk with your insurance agent. Hope this made some sense and was helpful. Good Luck!