 Something's wrong. I know you too well. Jim's company is cutting his salary, and he may even get laid off. He doesn't think we'll be able to afford the mortgage. Oh, Laura. You know what? My cousin Susan and her husband were in a similar situation, but they got some terrific advice for free from a housing counselor from the NFCC, the National Foundation for Credit Counseling. You need to be careful who you can trust these days with so many so-called mortgage consultants out there. The NFCC is non-profit and has been around for more than 50 years.