Published: May 09, 2013 10:43 PM EDT

LEHIGH ACRES, FL--A Lehigh Acres homeowner is out nearly $2,000 and now behind on her bills. She thought she was getting help from Washington, instead she got duped by an organization with some very official sounding credentials.

At first glance this organization called FDC seems legitimate, it's even on Pennsylvania Avenue, right down the street from the White House.

We'll call our homeowner "Tracey" because she doesn't want to be identified.

Tracey says she was looking to reduce her $1,300 a month mortgage payment and stumbled across an organization in Washington D.C. called FDC.

"I was looking for help and I lost the help," she said.

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Tracey says all FDC asked for when signing up with their so-called "FMA Mortgage Program, was her address.

"They tell me instead to pay $1,300 send that $986 to them," said Tracey.

That was two months ago.

"Every day the bank called me to ask me for the payment," she said.

"There are so many scams out there through the mail, through the internet," said Affordable Home Ownership Foundation's Ken Falvey.
   
Falvey says organizations like this may seem legit, but the first red flag  to look for is if they ask you to send them your mortgage payment.

"That is up front money, and that is a scam and it is illegal to do that," said Falvey.

The U.S. Department of Housing and Urban Development says there is no government program called FMA.

We also couldn't find any organization called FDC, but we found complaints about them online.
Just like Tracey, people say FDC took their mortgage money.

"Actually take money from them and not do anything, that is so wrong," said Falvey.

Now Tracey is out nearly $2,000 and is now two months behind on her mortgage.

"I really feel sad because that situation, no money now," said Tracey.

The best way to find out if an organization claiming to help with mortgages is legitimate is to click on to the U.S. Housing and Urban Development;s website and search for the organization.

Click Here to visit the site.