djrobsd, are you the same person that said to accept the fact that people just want to own no matter what (perhaps for “peace of mind” and decoration purposes and not throw away rent)? What planet are you on?!
Are you also the same person who is bragging about 18% up on his 401k?
Why would the bank give you any slack? You need to cash out your 401k before they consider any help. Otherwise, they’ll see you in foreclosure. How are you funding your 401k when your expenses exceed your income?