<prompt> Human: I own a small house outright with no mortgage or payment and was thinking of mortgaging it to get caught up on some bills. How does this process work? I am clueless to it? What are the usually steps to mortgage a house? The house and land are worth about 50,000 dollars.My debt is about 10,000.  <response>: Behind on bills without a mortgage, adding a mortgage into your expenses to catch up doesnt seem wise.Work extra hours, cut some spending. First lines of defense. 