I don't eve know where to start, though I'm sure my story is a common one. We bought right outside of NYC in 2004, and now, needless to say, we are under water. To boot, my husband lost his job 6 months ago. We applied for a loan modification, and it took 4 months to get approved. Then (try to follow this one!) because we had kept up with our payments while we waited to be approved, they decided we had "satisfied the program" before we even had one lowered payment. We are now 2 months behind,and feel lost. We have enough money to stay in this house for another 7 months, but REALLY don't want to spend every last dime on this house.Thinking about a short sale, feeling very overwhelmed. Anyone every done one in NY?