One of the biggest decisions to be made when you are struggling with your mortgage is – do I stay or do I sell. This decision cannot be made logically without a complete analysis of your financial situation and evaluation of your short-term and long-term goals in life. Some of the factors a professional will examine is: what are your income and expenses, how much mortgage payment can you afford, do you need this size house or should you downsize, are the real estate taxes too high and you need to find a less expensive location to live in, what impact will moving have on children and relatives…. and on and on.