2. Beware of people who pressure you to sign papers immediately or who try to convince you that they can "save" your home if you sign or transfer over the deed to your house.
3. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
4. Never make a mortgage payment to anyone other than your mortgage company without their approval. Look for qualified guidance sooner rather than later. The National Foundation for Credit Counseling provides certification for nonprofit credit and mortgage counselors. This service isn’t free but their charges are considered nominal. It is a good place to start if you find yourself in financial trouble.