". . . if you're in the situation you're in with an unaffordable mortgage because some fast-talking guy in a suit asked you to sign a bunch of papers you didn't understand, you are not going to be in a better situation because some other fast-talking guy in a suit asked you to sign a bunch more papers you don't understand."
From Calculated Risk.
More importantly, and something I was taught when I first learned to write my name, "Don't sign anything without first understanding it."
If you know you can't afford something, you're right.