Mostly good information from BG on the legal issues. She really knows her stuff in that dept.
The one thing she isnt aware of is there may be a refi program for you. Under the Obama Making Home Affordable program, refinancing is available to those with little or no equity. All the big banks offer it and you should look into it. There is a good chance the fact that you have a 2nd with your ex-in-laws which may disqualify you but you should look into it. Here is a link to WF program. :Like I said, dont know if it will work but worth checking into:
