I am about 30k down from what I owe, but I bought 7 years ago and put down a substantial down payment.

The only thing I have done is rented my house for the last 7 years. When I bought my house I thought everyone had to supply tax documents to receive a mortgage.

Remember, there was and probably still is massive fraud in the real estate, appraisal and mortgage industries.

Why not think of yourself as a victim of these fraudsters and act accordingly.