Hi, we bought our house in 2008 when the market was really high. Our family was growing and we needed more space.Anyhow, my house is now worth half of what we paid for it. I doubt my house will ever acrue any equity. It's a bummer. My DH gets really depressed about it. We can afford the monthly, but it's going to go up in a few years because we did a fool's loan. Besides short sales, does anyone have any experience with dealing in modifying a loan, etc. I have heard some different ideas but I wanted to ask everyone on BYC for more perspectives.