Oh, man, this is sad. I hope it worked out okay, since this is an old post. I know someone who went through foreclosure and even though you hear the advice to notify the bank as soon as you can't make a payment and see if they will work with you, a lot of the time they won't. That is what happened to the people I knew and what I've been hearing. The banks just wait until you miss about four pmts. and then send a notice you have three weeks to get out. Imagine the people who really have no place to go.