Underwater, new HARP refi went through. Just found out the foundation rotten. I'm in such a jam.The day after my 3 day waiting period was up from the title company I went out to my car and the garage door fell down. After looking deeper into this I find out my foundation sill is rotted out around the house and the studs are sitting on air. I would of have done a short sale or something else had I known just 24 hours earlyer. I have put in over 30k into this house, roof, windows, furnace, hot water.... My house has lost almost 50% value. Good thing I had good credit. But now I regret it. I start my new mortgage in September. But I am disabled and am mostly home bound. I am losing my mind on what to do. The refi was to cover upkeep that I can no longer do, not in lifting the house and putting a new foundation on. I still have electical and plumbing that I planed on bringing up to code. On top of that we had a tornado and hail come through in June and some of the damage to the outside of the house will be fixed by insurance but why even make the clame if It does nothing but put on a new coat of paint. I need advice, I have spoke with many lawers and unless I have 35k to spend on legal fees they wont talk to me. Yes I will pay $200 bucks an hour for good sound advice but the lawers I have spoken with are rude and mean. I am underwater, I did what I could to try to stay here but I don't think I can make it. The money I saved on the loan is just going to be a wash. And to top it off the broker I picked out came from Zillow and was supposed to be a no cost refi, just the escrow and title. Funny I paid over 4000 dollars rolled in for points. Where do I start before I lose it and walk out. I live in mid michigan. House is 1100sq' 1950. Now owe 112.500, worth almost 90. Please some one give me some sound advise. I know it is complicated, but I have had enough.Thank youSorry for sounding so pathetic. I know many people worse off then me. But if will not be long before I am living under a bridge in Detroit.August 13 2013 - Clio00YesReport 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.