Facing financial hardships can force you to stretch your money. If you have a high mortgage, financial issues could mean the difference between staying in your home or foreclosing on it.

Forbes provides ways to create a manageable home loan.

Extend the length of your loan

To lengthen your loan’s term can make it more affordable for you on a month by month basis. When you spread your payments out over a longer length of time, the monthly payment becomes smaller. One thing to remember when lengthening your loan is that the interest will continue to stack up.

Reduce your interest rate

A high-interest rate can add hundreds of dollars to your monthly mortgage payment. When applying to reduce your interest rate, the lender looks at your financial situation and your credit score to determine whether to provide you with the modification. While like a refinance, you do not pay fees or closing costs.

Roll your fees into the principal balance

Interest, escrow, late fees and other charges add up over time. This can boost your monthly payment. However, if you can roll all of your fees into the principal balance, then that amount will spread out. This minimizes your monthly payments. Then, in some cases, you may even be able to reduce the principal balance itself. However, this only occurs in rare instances like during a housing crisis or what the housing market looks like. Lenders may take into consideration how much they lose if your house went into foreclosure versus how much they lose by reducing your balance.