You may also want to contact a housing counseling agency approved by the U.S. Department of Housing and Urban Development (HUD). These agencies have counselors who will help you organize a budget to pay your mortgage and other monthly obligations.

This can be done without direct involvement of Gateway Bank. These agencies can also help you find and take advantage of local services or programs that provide financial, legal and medical or other support.

You can find a credit counseling agency by calling HUD at 1-800-569-4287;
TTY at 1-800-877-8339 on weekdays between 9:00 a.m. and 5:00 p.m. ET (6:00 am to 2:00 pm PT).