I cant afford to money my mortgag if make available it wager on to the lender are they going to put me surrounded by discouraging credit?

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yes if will affect your credit.

ask them about a short Dutch auction, that may be an option

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Answers:
Yes it will unfortunately ruin your credit for 7 years, unless you folder bankruptcy afterwards it will be ten years. If you do not file consequently they will still go after you for the difference of what they market it for and what you owe on it

A foreclosure is one of the worst things that can show up on your credit.

If you can't get them to agree to a short Dutch auction, find some way to receive the payments or your credit is going to be ruined for years.

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Are you serious? Of course they will! Try thinking for a minute or 2.
Just when you suggest you've heard it adjectives...

YES This is what is call a forclosure and will affect you dramatically one thing to consder is this you will not be capable of purchase a home for a minimum of 2 years but theres good word talk near a realtor in your nouns and see if they can put your home on the market have a chat to the company that you are making payments to and they might be able to work out something if you do not own a lot of equity where on earth they will pay your closing cost and draw from you out not owing anything also another way to fiddle with this is to call me my # is within my profile you might possibly be able to refinance still