The bank said my mortgage was an acceptable percent of my income, and apparently other expenses aren’t given as much weight. The adviser I was working with mentioned a short sale, but to be honest I was too much in shock during the phone call to question him about it. I looked it up online, and it doesn’t seem very promising. So are there other options? Keeping the house is the most preferable. Just not sure what to do, they made it sound like they would be able to do something. Please, none of the “you brought this on yourself and deserve it” responses. You don’t know my specific situation. I’m just trying to provide for my family and keep our home. If the state matters I live in New Jersey.