[freediykits]

I agree with the other posters. You have to remember that abank is a bussiness. They make thier descions based upon profit and losses. They will only make the descion that makes the most financial sense at the end of the day...If you have the time and patience than I would attempt a short sale, if not and you get do with damage to your credit mayb its better to stop making payments and save up the additional money each month until you get the boot from your lender. I have seen people live in thier homes payment free for 2-3 years before they were forced out by the bank. At the end of this time they had over $25,000 saved up...Thats enouph for a fresh start for many people...good luck to you