My husband was laid off and unemployed for over 6 months until we found a job in another state. We were never able to sell our house and now have a renter in there, although she pays only half of what our mortgage/HOA/and other costs are. On top of that, we are a family of 5 and pay rent for our current residence. The costs are enormous and I feel so trapped, although we continue to pay our mortgage faithfully every month. Money is so tight because of that stupid house we couldn’t sell that is now worth $ 30,000 less than what we owe. Will we not ever qualify for a loan modification because we don’t live on the property? What are our options? HELP!