23109VC – call you lender and play hardball. Most lenders are only surviving right now because they dont have to recognize upside down loans. But, they cannot avoid defaults. So, they are deathly afraid of people defaulting on their mortgages.
Go on Mr Mortgages website, I think there are some pro’s on there that do this kinda thing. Worth a look. Your chance to get back at the Man!
If I still had a mortgage right now, I would be kicking these guys in the crotch as hard as I could. Just my 2 cents.