By LINDA FRANKS
If you are struggling to make your mortgage payments,if you can't take advantage of lower interest rates because your home has dropped in value,you may be elligible for the Making Home Affordable Program. Visit the U.S. government's "Making Home Affordable.gov" Web site. The sooner you act,the better! Do not fall for scams,since there are plenty out there,which will take your money! If you are not sure about what to do - You can always call a real estate company designated with a logo " R ", to make sure you are on the "right track".