I have comments to make, but I'll keep them to myself. A buddy was able to get money from some program for underwater (and/or?) homes behind on payments, to the tune of about 20 grand. They just literally handed over 20 grand to his lender to get him current in his payments (and like your friend, he makes VERY good money). I don't know if it was a state or fed thing, but I'd be googling like a mofo.