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Wednesday, April 6 2011 - By Kay Lynn Clay
Most Americans say people should never walk away from a mortgage.
Though it can ruin one's credit, walking away from a mortgage is an option families sometimes resort to when they can no longer afford to make their payments. But a recent survey indicates Americans think it shouldn't be an option at all.

According to a survey conducted by Findlaw.com, a legal information website, almost two-thirds of Americans - 60 percent - say it's "never OK" for a homeowner to walk away from a mortgage. Thirty-four percent believe it's OK if they aren't able to make monthly payments. Just 3 percent think a homeowner should be able to walk away whenever they want.

Stephanie Rahlfs, an attorney for the legal information website, says that homeowners should not be hasty when it comes to making decisions about how to deal with home financing.

"Homeowners should consult with financial and legal professionals, including accountants, real estate attorneys and financial advisers," Rahlfs said. "Any major change to a mortgage situation could lead to serious and unanticipated consequences involving taxes … ability to borrow in the future … and much more."

Though home foreclosures are still a problem, March's positive jobs report may lead to a more broad-based recovery in the moving and housing market.

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