Not sure which direction to go...please helpI recently went through the process of a loan modification with Bank of America. I'm at the stage where they want me to sign a contract agreeing to pay a $44k balloon payment when I leave the home or when my loan matures. I can't guarantee I'll stay in the home for 30 years nor do I have $44k. From what I hear, they will foreclose on my home if I do not make that balloon payment at that time.My other option is to short sell right now and move into a rental for an undetermined amount of time. My husband lost his job a year ago and I would rather not move my kids more than once should he need to relocate for a job opportunity.Last option is to toss the contract and spend every penny we have on the mortgage, making it extremely difficult if not impossible to pay our other bills such as utilities and cars. Also, we would have to make a lump sum payment of $3k to pay back what we missed during the modification trial period. Which I also do not have.Are there any other options and what is the best route to go to?ThanksMay 02 2014 - US00YesReport 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.