试过MHA了吗？朋友的rate droped from 6.125%(30 yrs) to 3.285%（15 yrs, no

http://www.makinghomeaffordable.gov/pages/default.aspx

从这点上，可以感谢奥巴：）

一些限制：

1）loan was fanni Mae;

2) loan was sold to fanni Mae before 2009;

no apprecial required,....

check with your lender, tell them you want to short sale, they will beg you to stay with a lower rate:)