[kitty98]

My current loan is about 250k for a house that is worth about 150k now due to current market conditions. I am making my payments on time, I am not behind, and I have excellent credit. I have heard of many programs designed to help people who were responsible to buy a house they could afford but now are underwater through no fault, but I can't find any of those programs. Things like loan modifications and short sales are for people that are behind on their payments. I will never regain value on this house. I'm looking for options to help lower my payments, but nobody wants to refinance something so underwater. Thanks for any help.