Financial strains in the mortgage market have sparked a shift toward more secure mortgages in the early part of 2007, but many borrowers remain stuck with sky-rocketing payments, according to Dr. Susan M. Wachter, Professor of Real Estate and Finance at the University of Pennsylvania's Wharton School. Now, with support from Genworth Financial, Dr. Wachter released her second quarter 2007 U.S. Mortgage Payment Index, reminding consumers that safe options exist and offering tips on how to get out of a bad mortgage.