SDR is right, If he is laughing I want some of what he is taking. Maybe we should be looking for quitclaim action on upside down pre-2007(or whatever the modification cut-off date is) houses, that can strategically defaulted on at just the right moment for uncle sugar to cut us some slack. I know there are probably stipulations that the benificairies of hand-outs be the original mortgagee….still maybe someone will stick around and work with it.LOL.