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http://www.MinneapolisStPaulHomes.com There ARE options to explore when you need or want to move and can't because the payment is too high or you owe more than the home is worth. Foreclosure is just one option-consider a refinance with a special government program, a loan modification, forebearance, a short sale, deed in lieu of foreclosure, Fannie Du plus, Freddie open access, fha to 98%, FHA to 125%, Va to 90%, principal forgiveness and MORE. The point is-you need to learn and explore ALL options and understand the ramifications of each of them. We're all in this together. Let me know if I can help point you in the right direction by providing some information.