Wow! Deadbeat huh? Thanks for the advice. I will admit that I am a 29 year old who bought my first home in Nov. 04′ at the risk of being priced out of the market. I moved to San Diego in 2001 and saw a lot of people making a ton of money in real estate. At the time it seemed like a no brainer to get into the market. Was 400k more than I wanted to spend on a house? Yes. Could I afford a loan that required 20% down and a higher fixed rate? Absolutely not. I am not pointing fingers saying that it is anyone’s fault but my own. I admit I made a mistake. However, I also want to do what is best for my family. Continuing to pay on the loan until it completely wipes out my savings and I have to foreclose anyways doesn’t seem like the best idea. But again thanks for the advice.