we our underwater and our payment is to high what do we do

What type of loan do you have now (FHA, conventional, VA, etc.)? Have you been making payments on time? Have you spoken with a local lender about possible loan programs that might help your situation? Any info you can provide will help us offer better advice.

Good afternoon! If you are upside down in your mortgage there may be some options available to you. HARP products and FHA streamline products are two that come to mind right away. Please email me and we go through your options. Steve CrowellSenior Loan OfficerPrimary Residential Mortgagescrowell@primeres.com603-380-3054NMLS#58375Licensed in NH, ME and MA

you should look into refinancing.. you can stretch out your payment to another 30 year mortgage, and rates today are pretty low.. many factors go into how much you can save, so for this reason, the best advice I can give you would be to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

well, as you can see we all need some more info from you....we want to know where you have been the last 2 years ?? why has your current servicer not reached out to you to help ?? have you spoken to them at all ? what type of mortgage do you currently have ?? How long have you been in the home, what is your current credit score. are all factors that we eventually will need to know...give one of us a follow up email or call, we would all love to at least try and help you out....hopefully you can qualify for something....ps..did you originally do some sort of a no doc loan, meaning no income or asset verification ?? If that is the case, then at the moment, none of us can do a thing for you....