The good news is, if you're two months behind on paying your mortgage, you're still safe. You should, however, act now. Most importantly, make sure you continue to keep the lines of communication open with your current lender. They would definitely rather work with you than have you give them back the keys to your home.

You have three choices:

1. If you go one more month without paying your mortgage, your current lender will issue you a notice of default. Then, the foreclosure process will begin.
    
2. Your lender will usually offer you the option to make up the back payments over a period of time. This is called forebearance.
    
3. Call a professional mortgage broker. There may be a better loan product out there that'll help you make timely payments in the future.