Times are hard and we understand.  Please do not let the bank just take your home away.  Let us here at Realty Direct NY negotiate a short sale for you and get that loan paid off and possibly get you moving expenses!  You need to start over fresh and get away from the stress this home is causing you.  It will look better on your credit if you short sale.  This will be the first step towards rebuilding your life.  Please do not delay, give us a call, we understand 631-392-4540 ext 102 Amy Kernaghan