I am three payments behindon my mortgage payment. My lender will only accept the full three payments. I can make one & half payments each month until the loan is caught up. The loss of overtime due to the ecomony reduced my income by over $800 a month. We are seeing some overtime again now. What can I do to save my home. My home is covered by FHA mortgage insurance. I have had my loan since 6/1997. Help please. Susan