This is my condo. Paid $90,000 down, all the money from my divorce settlement because I needed a place to live with my teenager and our pets. I am now $128,000 under water (120%). I don't have a picture of me in front of it because this afternoon I moved the last of my things out, and I can't bear to go back. Last year I "explored my options" with Wells Fargo. They told me they "couldn't even talk to me" until I stopped paying. I asked about principal reduction and they said "Wells Fargo doesn't do that." One year later, I made the awful decision to give up my perfect credit rating because I will never, ever have a penny of equity in this place if I paid until I was 80. I am now 55 and very worried about the future. Condo is up for short sale but in terrible shape because I could not afford repairs. I cannot understand the greed of the banks / lenders.