With time running out on the government programs (expires Dec.2014) and the fact that the New York metropolitan area is stabilizing and home prices are rising, time is not on the homeowner’s side. Homeowners, who are truly suffering and can prove a hardship, need to push hard now to get the assistance they need to save their home. Even if you have been turned down numerous times before, go to a professional who specializes in loan modifications and foreclosure defense. The system is set up for homeowners to either give up and pay what they owe or get foreclosed on. Don’t sit idly and accept the fact that your mortgage company won’t help, remember the squeaky wheel gets the grease!