Millions of American homeowners are facing tough financial choices created by a tightening economy and rising interest rates which are sending monthly payment rates up for many adjustable-rate mortgage holders. If your or a friend or loved one is struggling to hold on to your home this section can help provide you with an overview of the current mortgage crunch, what it may mean for you, and what options you might want to consider in order to stay current on your mortgage and avoid having to sell or face foreclosure.