Has anyone tired to just give the house back to the bank. We are upside down and with the penalty fee's we can't sell the house. We are thinking of just walking away. Has anyone tired to get a lower rate and better terms. Any help or advice would be great. I see that the company we went with is out ,of business. Morgan Company. Makes me feel really good that when I called a few months back to try and get under the FHA program the house was below the value and they would not help. Bad. smhq