I'm so sorry that things aren't working out better with the mortgage. But it is obviously time to move forward on finding out what your house is worth and what you would have to do in order to sell it before the bank takes it away from you. There's still chance for the cavalry to come over the hill at the last minute with a refinancing, but at least you'll be prepared for the worst. I'm surprised you didn't get some comments back - probably your posting scrolled off of everybody's friends listings too fast to be noticed. You want to talk to Realtor Bob, of course. Any number of local fans can give you his contact info. Beth, for instance, who is currently in the middle of buying and selling a house through him.