The FDIC has a resource here to help homeowners avoid foreclosure. This information helps borrowers know who to contact and what they need to have to apply for a loan modification that could save their home. The Department of Housing and Urban Development has a similar resource.
The U.S. Government has programs that may help homeowners avoid foreclosure through its Making Home Affordable initiative.
If you are facing financial difficulties - whether they are short or long term - start exploring your options today. Fannie Mae has put together a comprehensive website here that covers the various choices consumers have if they fear they will be facing foreclosure.