The only thing I find unfortunate about your family’s experience is the fact that your Dad was encouraged to buy during a rapidly declining market. Had you guys been better adivsed you would have held out for a couple more years while watching the prices continue to drop. Your payments would have ended up being a lot less and you guys might have have a little more discretionary income.

Much respect for everyone who triumphs over adversity and earns their place in this nation. I just hate to see people take advantage of you.