回复：经济困境，恳切求教：房子underwater，工作才丢，积蓄够半年

You can contact with your lender's Loss Mitigation Dept for President Obama's Making Home Affordable Program (also called loan modification), or go to lender's website and download the application, attach a hardship letter to explain your hu*****and lost his job. It usually take lender about 30 days to process. Either they will lower your interest rate or lower the loan amount. If for some reason they reject your application, then go for short sale.