It occurred to me after I put up the post about VA loans, that not all servicers are complying with FHA requirements either. So, if you have an FHA loan, that loan is in foreclosure, about to be, in default or just in trouble; you probably want to read the FHA rules for loss mitigation (i.e., how mortgage servicers are supposed to deal with loans in trouble).
The FHA regs are also on my website. Check out the Foreclosure page, left hand panel, towards the bottom.
As usual, I don’t do mortgage workouts. If you need help, contact someone who has been trained by the FHA as a mortgage counselor or a lawyer who is well-versed in FHA regs.