If you or someone you know are facing a mortgage crisis, here are some tips or advice you may find helpful.

The mortgage crisis is having a devastating effect on individuals, families, neighborhoods and businesses throughout the St. Louis area. If you have tips or resources that might help others, please share your story by uploading a video on YouTube. You can also send your videos to mortgage@ketc.org.

Questions Addressed Include:

If you can no longer pay your adjustable rate mortgage, is it possible to call your lender and change your payments?

What is the ripple effect on our community?

Is this a bad time to be taking out an equity line of credit?

How many people have been getting in trouble with "easy credit" scams?

How can real estate taxes affect the ownership of a home?

How is the mortgage crisis different in urban, rural and suburban areas of the region?

Is a reverse mortgage a good idea for senior citizens?

Are there any ways to adjust terms of a loan for a person that is employed at a new job that pays considerably less than their previous one?

What is the Missouri process for foreclosures?

What are some of the common mistakes homeowners make once they get into trouble?

What can homeowners expect from a visit to a housing counselor, and what questions might they need to answer?

What are some of the programs that the Urban League and Eastern Services of Missouri offer?

What are some of the different types of scams that have been noted?

When will the government be more willing to help people who are losing their homes?

How does the mortgage situation ripple out and affect businesses?

How long should we wait before we sell our houses again?

Is it a good time for first-time homebuyers to purchase a house?

Do you need to wait until you're delinquent on a mortgage payment to get help?

What resources are available to those who do not have extra money to spend on counseling?

What are the options for people in the military who must move and sell their home?

How long do you have to live in your home before you can get the help you need?

Is there help when you just realize that you're heading for financial trouble?

What happens after you receive the first notice of default?

Is this mortgage situation pushing people into the city or causing them to move further out of the city?

Is the over-building in the city a good market to get into?

Why should tax dollars go towards helping this cause?

Do law enforcement agencies keep in touch with the organizations that are trying to fight the mortgage crisis?

Is a moratorium a good idea?

With the mortgage situation, is it ironic or does it stand to reason that St. Louis is named the 8th best market for real estate in the country?