[The Professor]

You've come to the right place. A key component is providing participants with the best possible responses is if they outline the facts as completely as possible, leaving our stuff that won't help in providing a solution. I've found the best approach in that regard is I ask the questions. They are:

1. Is the subject property located in California and was it, at the time you bought it, purchased with the intent that is would be your primary residence?

2. What is your estimate of its current fair market value?

3. What are the balances on the existing loans on your home, and who is the lender?

4. For each loan identified in the previous question, was that loan created at the time you bought the home, and were the entire loan proceeds used to pay for the home?

Daniel