In reference to a review released on Thursday most of the homeowners offending said that they were not aware of the fact that foreclosure can be avoided by their lenders. The review stated that near about 57 percent of homeowners didn’t know about the “workout” options. This includes easier terms for contracts and plans for new payments, Roper Public Affairs, Media and Freddie Mac said in a report.In 2005 there was quite good awareness amongst the borrowers (61 percent) when Freddie Mac organized a survey in spite of labors by lenders, counselors and mortgage servicers to get in touch, in reference to the survey.Most of the financial associations have introduced terms which are easier and accept lesser loan income in addition to mortgages delinquencies which causes extraordinary losses.Too many borrowers at-risk state are nevertheless unaware of the alternative services that can be provided at their desk at home, said Freddie Mac’s asset management and servicing vice president, Ingrid Beckles.She also added that,” Loan servicers could not get in touch with their borrowers for most of their foreclosures”.The report said, “There is initiative Hope Now which made the loan borrowers and counselors to feel that they can get in touch with their lenders in ease”. Seeing the Hope Now advertisements 25 percent reported.In spite of low income plans and other new plans, in 2007 this month the Hope Now has sponsored near about 370,000 homeowners avoiding foreclosure. Though foreclosure rose to 75 percent in the last year, analysts of Wall Street say that there will be increase in losses of mortgages in 2008.Some responses show contradiction I the analysis and report given by Freddie Mac and Roper poll.Nearly 86 percent of the lenders have made lots of efforts to get in touch with their clients, though there was only 75 percent in 2007. The percentage of lenders getting in contact with their clients has risen from 68 percent to 75 percent.The report also concluded that near about 63 percent of the homeowner knew about the change of new plans and 68 percent of the homeowners knew about the change of fixed   mortgages from flexible rates.Most of the homeowners hesitated to get in touch with their lenders. Among the rest who contacted their financial institutions reported that the institutions were nothing more than a pester near about 80 percent reported that mortgage companies were not willing to help the borrowers or moreover they reported that it was not reachable.Among the United States home mortgages the second largest finance provider is Freddie Mac. A Virginia oriented company McLean acquire loan for its personal speculation, or assures expenses on mortgages filled into mortgage self-assurance for transaction to shareholder, including itself. In order to avoid foreclosure be aware of various facets of your mortgage situation well in advance. You could also think of refinancing as an alternative. Do not let your confidence level pitch low, because there is nothing in this world that could stop you from success if that is what your mind is focused on.