[Gophernut]

Well to try and supply more info, I figure we are about 40K upside down. Don't know what the total will be with closing costs, commissions, etc. I would guess around 60K. We are current, and our bank will not help us unless we are not current. It feels sort of counter-intuitive to talk to your lender about help, and they suggest not paying them.??? We do have cars that are both 2008 and we are current on all bills. No credit card debt, some medical debt, but manageable. Just have too much house for one person to handle. We at one point had almost 100k equity, but now it's gone the way of the housing market. Negative. Thanks for the info so far, and any other thoughts are very welcome.