US mortgage borrowers are showing "proactive spending and mortgage management strategies," according to the latest survey by payment services firm Western Union (WU). Based on a survey of 3,000 Western Union customers, 45% of respondents with a modified mortgage indicated scheduling regular payments will prevent re-default. Almost one-third believe modifying their mortgage will improve their debt situation. But Western Union noted a need for greater borrower education in terms of loss mitigation options. For example, approximately half of respondents with a mortgage do not fully understand the requirements to qualify for modification or refinance. But borrowers are taking steps to manage their mortgage payments, with 34% of respondents indicating they have contacted their servicers about modification, and 9% have modified within the past six months. "The resilience of the US consumer is clearly captured in the latest Money Mindset Index," said David Shapiro, senior vice president, Western Union Global Business Payments. "With Americans understanding how to better manage their mortgage and spending, they are positioning their households to survive and thrive in this economy." Additionally, 78% of respondents expect their financial situation to improve or remain unchanged over the next six months. Write to Diana Golobay. Disclosure: the author holds no relevant investments.