[Amazing Grace]

Homes in are area are foreclosing in the masses. Our income was recently cut in half. The house will not sell, other homes are not selling either. Can't refinance without options because the home is worth 100k less than the mortgage. We're stuck. Our bank is opting out of this plan: "HOPE for Homeowners (H4H) is a program designed to assist borrowers at risk of default or foreclosure in refinancing to an affordable 30-year fixed rate FHA loan. The program is effective October 1, 2008 and will conclude on September 30, 2011."Any ideas?The bank would do a short sale. However, there are 4 other homes on our street, some foreclosed, that have not sold for several years. Those homes are better than ours. The bank would be taking at least a 40% loss in comparison to other homes, if they could manage to sell.We'd really rather keep our home and have the bank work with us. Doesn't seem likely though.