The Associated Press has reported that millions of Americans who are in debt also have serious health problems: ulcers, migraines, and severe depression. Experts say that half of Americans state that the cost of housing - paying their mortgage or rent - is a major source of stress. And who could blame them? The thought of losing one's home - and sense of security - is a painful one. NCL's Mortgage Town site offers a bunch of tips to help consumers avoid the nightmare of losing their homes. We provide a step-by-step guide to help consumers through the process of buying, and keeping their dream homes.