What are the main points I should remember?

• Don’t lose your home and damage your credit history.
• Call or write your mortgage lender immediately and be honest about your financial situation.
• Stay in your home to make sure you qualify for assistance.
• Arrange an appointment with us to explore your options.
• Cooperate with the counselor or lender.
• Explore every alternatives to keep your home.
• Beware of scams.
• Do not sign anything you don’t understand.  And remember that signing over the deed to someone else does not necessarily relieve you of your loan obligation.