The solution to your ploerbm depends on what your goals are. How much are your mortgage payments? Can you easily afford them, even if you do get caught up? If your goal is to own your own home, consider looking for another house that is being sold as a bank owned property (a foreclosure sale). I just bought a nice house on a big lot and a 2 car garage for $7000 cash. Look on Realtor.com to find a house (you might have to go to another state or city to find it). There are houses out there for under $2000..lots of them now. Just stop paying your mortgage..you can live in your house for up to one year in many cases..just save your money for a few months, buy a foreclosure and live rent and mortgage free for the rest of your life.References : Was this answer helpful?