If you are having difficutly making your mortgage payemtns you should consider a short sale.  There are some great governmanet programs available to you which will enable you to save your credit and to have any deficiency balance "waived" by the lender. 

I have completed over 250 short sales and I know with my proven track record I will be able to help you.  Please call Aileen Potter at 586-873-2431 today.  The sooner you call the more options you will have available to you.