OK, I'm currently (by my estimates) about 20K-30K underwater with a 30Y fixed mortgage @ %5.75 and an interest only HELOC @ %7.63.
there is a new program that goes up to 125% Loan to value that may help

Am I able to sell our home or do I need my husbands permission?
Yes if he is on the mortgage he is on title and you would need his permission. What I don't understand is you say its your home? I look forward to speaking with you, please if you would like an opportunity to learn where and how to get the best rates and terms call me at 914-523-1954. I have spent 14 years...