We have about a month behind on our mortgage right after hurricane losses due to unemployment and my husband (his work was damaged) Ivan. We have our mortgage with Ameriquest. It had almost caught and they get twice the interest increases the monthly payment, which also accumulate late fees continue. We found two months late. I have to pay for the month plus an additional $ 100, but they have not applied to my mortgage. What should I do? And when things start they will refuse preforeclosure my monthly payment? BTW, I live in Florida. I do not want to lose our home. If we both retroactive payments and release can work on late fees, we can ok the mortgage payment.