What do you do if you can't afford your mortgage?

You should call your city offices to ask if there is any agency that provides counseling to homeowners in your situation. You could also try to contact your state's attorney general consumer division for advice. You may need to discuss your situation with the lender to determine what it will do to help you transfer the property to it with the least damage to your credit record.
You should call your city offices to ask if there is any agency that provides counseling to homeowners in your situation. You could also try to contact your state's attorney general consumer division for advice. You may need to discuss your situation with the lender to determine what it will do to help you transfer the property to it with the least damage to your credit record.