Folks this market is bad.  It is getting better but for know it is bad.  For some of those folks that got into mortgages and loans that they shouldn't have it is a sad time.  Some are just walking away and giving up.  What most don't understand is that there is a better way.  You can negotiate with your mortgage company and avoid a costly foreclosure.  Banks do not want to own your house...They are in the business of loaning money, and that is what they want to do...Period.  I found this great article that explains some of the necessary steps to this process....Click here to Learn How...