When I had my condo, I tried to get into the Home Affordability program that Obama put out there to help homeowner's renegotiate their loan or refinance. I only wanted to refinance because that's what I qualified for even though my condo was worth less for what I paid for it (155k). I called on a daily basis for several months and never heard a fucking word. I gave up my condo and learned my fucking lesson. Later on, I found out that if the bank did allow you to participate in the program, it was only for a certain amount of time. So for example, if I had refinanced my loan, it would only last for two years then my APR would go back up to what it was before and I would have to pay the money back that I saved. That program is a fucking waste of time. Anyhow, the bank can suck it. They got their PMI and now they are trying to sell that stupid condo for less than half of what I paid for it.