what happens if i owe more on my house than it is worth?

If your home is Fannie Mae or Freddie Mac there are options to go upto 125% Loan To Value and Unlimited Combined Loan To Value if you have a 2nd mortgage. Contact me at joleary@americahomekey.com or call 360-915-9609 -- Thanks Jake O'Leary

You can refinance under the HARP program, but depending on your state there might be funding from Hardest Hit funds to help pay down your loan

1) selling it will be hard to do without bring in funds 2) if wanting to refinance - likely no options What are you wanting to do ?Dave Skow | Loan Officer Movement Mortgage NMLS 278613 Dave.skow@movement.com Mobile (206) 714-9745