i've been sooooo broke lately, but it's because a few years ago i bought a house, and this market crunch is screwing me royally. so i asked around and a few friends told me about this "Short Pay Refinance" thing. so i decided to google it, and after trying to get info on it, there's only one site that actually helped me, and that's http://www.shortpayrefinanceoption.com they told me i was "upside-down" on my home and that i shouldn't be paying the banks more than the market value of my house. so i got everything fixed, and i'm so stoked to be paying a lot less than what i was. i love extra cash. check them out if you're a homeowner and you need some extra money.