change the road forward if you're in trouble with your home mortgage? >> there's been a lot of mismanagement from all sides. a lot of individuals out there going through a lot of difficulties just trying to pay off and the foreclosure seems like that number is a troubling figure for the u.s. we want to direct you to some of the things we can do to make sure individuals at home watching, that there are options for them to stay in their pieces of property. one of the main things i always like to tell individuals is if you're going through foreclosure, if you don't want to sell because that is the last resort, you can do a short sale, do a deed in lieu of foreclosure. if you choose those options, read the fine line to see if you're going to be responsible for the deficiency. if you want to stay in your home, remember banking