How do I buy a more affordable house when I am behind in my current mortgage?We are stuck in an ARM mortgage and have been trying for 2 years to get qualified for the making home affordable plan to no avail as yet. Our principle amount is $90,000 over the current market value. We may end up walking away if they can't help us. We need to get into a 30year fixed and get our mortgage amount to no more than $1,000 a month instead of the $1400 interest only payment that we pay now. We have not been able to touch the principle in over 5 years.October 25 2012 - Yuma11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.