Ok- NACA went to bat for us and was WONDERFUL. They got CW to lower our interest rate to 2 % for the life of the loan. Our dilemma is ..........we are getting the heck out of California. ( thanks arnie ) Taxes and basic cost of livng is way too much. Anyhow- i need to know what the best way is to unload this house with the least effect on our credit score. We went from 780 to 670 in the past 6 months from missed mortgage pymts. We are slaves to the almighty credit score. You have to " spend " money to " get " credit and then when you pay for everything with cash, you STILL get dinged when your trying to live within your means and trying to get rid of credit cards. Ugh....will we ever win??