You missed last month's mortgage payment and you can't make this month's payment, either. Soon you're going to be more than 60 days late. What should you do first?

Contact the mortgage servicer to find out my options.

Put the house on the market so I can sell it quickly and pay off the mortgage.

Consult a debt counselor to help get my finances in order.

You have decided to buy your first house. Which should you do first?

Find out how much I can afford to pay for a house.

Contact a real estate agent and start scoping out houses and neighborhoods.

Choose which kind of mortgage to get: fixed or adjustable-rate, amortizing or interest-only.

Which of the following is NOT a workout option that is sometimes offered to homeowners who are behind on their mortgage payments?

A repayment plan -- a deal to let you add an agreed-upon amount to your regular mortgage payments until you have caught up.

A deed swap -- a contract to exchange your quitclaim deed for a put option that gives you residency rights to the property.

Forbearance -- an agreement to let you make partial payments, or even no payments at all, for a temporary period.

Which of the following is an excellent credit score?

95

695

795

Which of the following is NOT the name of a major credit bureau?

Equifax

EverQuest

Experian