<prompt> Human: To start off, I bought a house back in 2010. Over the last five years Ive managed to pay off about 45 of my total home loan. Ive been working freelance jobs to keep my head above the water this past year while I try to replace my job. Ive been able to make enough to cover my mortgage and my bills but Im worried about the possibility of failure. My question is if Im somehow unable to keep up with my mortgage next year, what are my options? I tried refinancing to drop my monthly payment but the bank told me they were unable to refinance since I hadnt made enough money the previous year. I was thinking about selling my home but I dont want to jump the gun and go back to square one with paying rent to someone else. If I somehow get behind on my mortgage will the bank basically repossess my home entirely, even though its nearly half paid off? I appreciate any adviceinformation. Edit: I learned a few things today. I appreciate everyone who took time out of their day to give me advice. I need to get some sleep.  <response>: If you are in a good location for it, I would try Airbnb or renting out a room or two. The income from those could potentially cover your mortgage or at least put a solid dent into it. 