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Wait, hold on. It does not make sense. Heather was able to afford the loan before she moved in with her husband. After that, she rents the place out but decide to sell the place. Why? And why did she need the second mortgage? What did she do with $53K? Didn't she take this money with the promise of paying back? Or did she promise to pay it back only when she makes the money from selling her condo? I am not sure what Heather really wants to do here. First, even if Heather manages to get the loan modification, can she continue and is she willing to make the payment? If not, what is the point of loan modification using our tax dollar? Then she tries short sale. So who cares if a property goes into short sale or foreclosure. Either way, Heather is losing her home. Sure the impact on your credit would be different between short sale and foreclosure. So perhaps Heather should focus on repairing her credit. Who cares about the alleged verbal abuse by the lender? It is here-say. Every news paper article adds some alleged claims to make a point. That is manipulative and dirty. No evidence or recording to suggest this abusive behavior was mentioned. Only proven fact here seems to be that Heather has two loans in which, I guess, she made a legitimate promise to pay back every penny. And she is getting upset when it is time to pay back. Sure, losing home is a difficult ordeal. But life goes on, get over it. You made a bet, and you lost. You are the cause of our recession.— August 7, 2010 12:29 a.m.