In times of economic downturn, many homeowners find themselves tight on money and not sure what to do if they can’t make Payments on their mortgage. Brooks Hiller , owner of Heritage mortgage in Dayton , was a guest on a recent kshn.com Party Line .He said it is crucial to maintain a relationship with your lender. Brooks Hiller said there is a misconception that lenders can’t wait to foreclose on your home if you miss a payment. Actually, He said banks are not making loans so they can foreclose on yours, and many times the lenders view foreclosure as a last resort. Brooks Hiller , a veteran mortgage executive, said the most important thing you can do , if you feel you will miss a mortgage payment , is to contact the lender and let them know whats going on and that you may miss a payment.