So if not Fannie Mae/Freddie Mac and way underwater, there is no program?My home is almost $200,000 underwater. I pay my taxes. I pay my mortgage on time. I have excellent credit. Why can't I get assistance from the government or Bank of America? The house is aging and putting money into it for repairs makes no sense without some concession from the bank. Any suggestions?September 26 2013 - Richmond00YesReport 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.