If you are behind in payments, mortgage help is where you find it. Here's where to look:

1. Consider a short-term, unsecured loan to tide you over:

A way to buy yourself that mental freedom you need to really tackle your problem (and so that you can sleep at night) is a short-term, unsecured loan. An unsecured loan is just what it sounds like: a loan that does not require your putting up any collateral to the lender. This type of loan can be great way to buy yourself the time you need to get yourself back on track.

2. Invest in the help of a financial planner:

These days, even financial planners are needing more work. This is a great time to leverage their knowledge and know-how about how to get your financial life back on track. Interview a couple of financial planners, then negotiate for a low rate. Or, better yet, find ways to trade them their knowledge and time for something of value you can provide them.

3. Cut costs by exchanging your labor or expertise for in-kind labor from someone else:

In fact, this type of in-kind labor exchange can and should extend beyond your financial planner. The reality is that most people and businesses you know about probably value your skills and would be willing to pay for them. It's not unusual these days for people to barter their services and goods. And, it's a great way to save money, so don't be shy about asking.

4. Call your mortgage company to see how they can work with you:

At this point, you may be more than a bit afraid to even talk to your mortgage company. But, remember, with the state of the economy the way it is, they no doubt are hurting, too. That's right: your lender may be more than willing to negotiate a better rate with you. Why not give it a try? Remember, they don't want you to default on your loan any more than you do.

5. Work on raising your credit score to qualify for lower interest loans:

Finally, focus on raising your credit score. This is a great way to qualify for lower interest rates. In fact, in may be the only way, especially if your credit score has suffered due to being behind in payments. It's a vicious cycle that you can escape from by just following the right steps.

The reality is that you are not powerless in terms of your situation. In fact, you can do something right now to improve your financial situation and start paying your mortgage payments again. The important thing is to get out of despair mode and move into action. By empowering yourself in this way, you will gain the right mental attitude to make a difference.