Scams are undeniably rampant nowadays, so we always have to be vigilant with the type of assistance programs offered to us to avoid being victimized. Scammers use a common tactic wherein they require homeowners in need of assistance to pay an upfront fee before offering any kind of service. In some cases, scammers try to charge fees for programs that are supposed to be free of charge. Additionally, it’s important to be aware of the papers you sign. Scammers sometimes make homeowners sign papers and pay fees other than mortgage loan payments.