Who is your mortgage company? Have discussed a loan modification with them to lower your note? If the mortgage company took TARP funds last year, they are obligatedby law to work with you if you ask. Yu can also try a short sale, where you sell the house for less than you owe, but the mortgagecompany has to work with you. It canbe a long process, but it saves you from a foreclosure. I can help you and I know some attorneys who do a lot of work with getting mortgage companies to work with you.