Should I negotiate with the lender myself?
YES. If you are only a payment or two behind and your lender has not hired an attorney to begin foreclosure proceedings, you may be able to negotiate a work out agreement yourself.
If you are successful then you just saved yourself some funds that can be used to get caught up on your mortgage.
BUT REMEMBER: Don't waste a lot of time on this. If you don't have something worked out within 1-2 weeks, then it's obvious that your lender is not serious about working things out with you directly.
When you get to that point, you will be better served by professional representation that can use the formal business and legal protocols to your advantage. HoustonPreforeclosure delivers the critical information and professional representation that you need to get the best possible work out agreement with your lender.