Options that may be available to borrowers who are unable to afford their mortgage payments and who wish to avoid foreclosure, and instructions on how to explore those options:

At this point, if your loan has not matured, you may bring your loan current if you have the ability to do so.

The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. To get the HUD pamphlet on foreclosure avoidance click: How to Avoid Foreclosure. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance. Find a HUD-approved housing counselor near you or call (800) 569-4287 or TTY (800) 877-8339.

You may find other alternatives on the HUD website including articles on "Tips for Avoiding Foreclosure" by going to the following web site at http://www.hud.gov/foreclosure/.

Call 800-326-5799 to speak with a representative about your Aspen loan

Aspen Funds 2700A Philadephia Rd., Edgewood, MD 21040