Everyones procedures are different, but the process has to begin with your servicer. Depending on what the issues are, they should try to develop a solution that provides long term affordability for he home owner.
Remember, if you cannot make your payments, everyone looses.
There are additional resources at http://www.hopenow.com. This is an industry website setup to help consumers deal with mortgage affordability issues.
Good luck.How do I get MGC Mortgage (formerly Homecomings) to modify my mortgage?
This is a non answer. Who is my ';servicer';. What does this mean. What steps are in the ';process';?
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