Did you fall behind on your mortgage payments?
yes
Okay. Your mortgage servicer, the company that handles collecting the money for your lender can take your house to cover the money owed . This process is called foreclosure .
I did miss some payments so now what?
We have a repayment plan that lets you go back to making your regular payments with an added amount each month to cover the ones you have missed .
what if there are more late payments from me?
You should contact your loan servicer right away .  Don't wait so they can help you find a solution soon.
and is there a way to avoid foreclosure?, because I was told I could sign my house over or at least that is what I understood
You might be talking about Deed in lieu of foreclosure, this plan lets you avoid the foreclosure process by signing over the deed to the home to your servicer. The home will then belong to the servicer.
can I call when I have more time so you can help me find a way out of this?