[Snickford]

We built a home in 2008. For the land and the construction, we financed 648K (we put 20%+ down). One conventional Mortgage for 416K and a second for 232K. Since then my husband has lost his job (although working P/T now) and I've had to take a cut in pay.I had an appraisal done and the home is now worth 550K. We have no equity so we can't refinance.We are not behind on the mortgage payments yet and are trying to pay it all on time but I'm afraid I can only hang on for another couple months.Any suggestions?