Will have to go into foreclosure. Where do I start?

[Janet Arthur]

My husband & I have been in florida from the UK for 2+ years. Our visa expires in early 2008. We have just heard that his employment sponsorship will not now go through. They have changed their policies. We own 4 properties,!1we live in, 1 totally refurbished & on the market for 6mnths the other 2 have long term renters. When we return to the Uk we will have no income, no house & no assets. So it will be impossible to keep these properties. They were all bought with 20% deposit down & we have been paying only the minimum mortgage payment. We pay our mortgages on the dot & have never been late. How can we 'give' the houses back to the lenders & not end up owing them any monies. Are there any other options we should look at? When should we contact our lenders? Please can anybody offer me any advice as I don't know where to turn as I don't know all the law etc.....Many thanks