In no particular order, you can declare bankrupcy, stop paying your mortgage & allow property to go to forclosure, you can give the Lender a deed in lieu of forclosure, or do a short sale. Once you stop making mortgage payments you will get your Lender's attention. Then you might be able to work a mortage modification. You should be able to work a modification without starting down the road of default, but the said truth is many Lenders are swamped and until default starts they don't pay attention or are not receptivie to your requests for modification. You did not say, but I am assuming you wish to remain in the property, in which case a morftage modification is the best way to go. I hope this is some help to you.