3 Months behind on Mortgage Payments, credit poor cannot qualify for refinancing, talking to "foreclosure experts" who claim they can work with my lender to stop foreclosure. This is a process called loss mitigation, another company wants to pay off my home and outstanding credit but I would have to execute a contract for the deed and in 2 or 3 yrs. When my credit score is up I can refinance and get the deed back. This company's web site is NationalHomeownersFinancial.com. Please Help.