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Hi there. We are in the same boat. We just can’t pay the monthly amount and the ever increasing MF. Our circumstances have greatly changed due to my husbands sudden illness - in the process of being attributed to Gulf War Syndrome. Could you share if there were any updates? I’m seriously considering just letting it go to foreclosure - although can you foreclose on points?? Thanks for sharing! [Q=chrisc1196] I did. They offered $6900 but I would have to come up with the rest at closing... I think I'm screwed. I may have to just stop paying and let them foreclose.[/Q]