I have just found this website after searching for months for someone honest who can help me with my loan, and I hope this will finally be the answer to my prayers! (I have been given very bad advise by greedy mortgage brokers in the past, and am now paying for it - literally!) I currently have an adjustable rate loan with Wamu, and I want to change it to a fixed rate because my balance is climbing every month. I can no longer afford the full principle and interest payment which keeps rising, so I have been paying only the minimum payment for almost a year, and my balance is growing and my equity is shrinking! Soon I will have nothing left and be upside down! I wanted to sell a year ago, but I was told I should wait, and then the real estate market crashed, and now I can't sell and I am trapped. I have been told that I can only get help if I am behind on my payments and facing foreclosure, but I have been moving mountains just to make the minimum payment so that I don't fall behind, because I thought that was the right thing to do. I am self-employed and can't qualify for a refi, and my savings is gone. I have been doing everything on your list of things to do (selling on ebay, cutting back on other monthly expenses, selling furniture, etc.) just to get by. Every month is a struggle, but I thought I was doing the right thing by keeping my mortgage current. Should I stop killing myself and let things go for 2-3 months so that I can qualify for assistance? I am a single mother, self-employed, and over my head! Your expert advise would be greatly appreciated!