We are still $ XXXX under water on our mortgage. I could not re-finance my VHDA loan. I asked numerous times for a solution. So we began the short sale process. We have a contract and PMI wants $ XXXX XXXX in {$150.00} a month payments for 100 months ). They finally offered a re-finance deal after I moved out ( {$300.00} a month lower for three years ). They are threatening to come after me for $ XXXX if I foreclose. I have {$8000.00} in savings and had maybe $ XXXX last time at this year. 
