If I'm in your shoes, I'd recommend interviewing and meeting with different brokers across the spectrum to get a good sense of which option is right for you.

Option one she threaten to do a loan modification.Option two shoes trying to threaten bankruptcy.Just wondering for those that I’ve done subject to deal what type of things to look out for or should I not even worry. 

The only other thing I would want to look at in your shoes is what 25% down looks like.   

Regarding the comment to not renew them: I get it, and in your shoes I'd probably rather be rid of them, but would stop short of a hard line.

Seems to me the busing is being done to those cities that made a big deal of how terrible Texas was is and call themselves sanctuary cities that is until of course those folks are at their door step and now the shoe is on the other foot.  

Title policies contain a subrogation clause, that means the insurer steps into the shoes of its insured if it pays a claim. 

Moreover, if the HOA goes up again next year, your loss is only going to get bigger.If you can sell your home for more than what you paid for it and you're not taking a loss, I'd consider selling it if I were in your shoes.

I want to be ask specific as possible (I’m literally making a sheet of questions to take with me as I speak to them) if you guys were in my shoes starting out, what would you make sure I add to this sheet?

I tried to fit in a shoe that was too big for me.

I guess at this level he will make money selling a hat to a headless person or a pair of running hi-tech pair of shoes to a person in a wheel chair.