call me retarded if you want, but I'm considering it. I currently have no problem making my mortgage payments, but if everyone else is getting help I might as well try. I was thinking of calling up my lender and telling them that I'm starting to have problems, just to see if I can work myself a deal. I've actually been contemplating skipping a mortgage payment or two if I have to. I know it will effect my credit score, but I just got a new car and have all the credit cards I could want. So by the time that I should need new credit these things should be off or so far in the past that they won't hurt much. My cousin lives in vegas and got caught with his pants down in the housing crunch, the bank has recently offered him 30 year fixed at 3%. If I could get something similar I could save myself a couple hundred a month. Oh my mortgage was just sold to B of A, one of the banks to fail the stress test. Looking for feed back and opinions on this crazy idea. Yes, I know I'm stupid for considering this, but I'm tired of people who made dumb decisions getting rewarded for it. So I'm looking to get in on the band wagon.