I can't believe what some people are willing to pay, but eventually these people will get stuck from over-paying and I will be in the better position later.Keep the faith

Box or something (yours, not his), and you make the payments (faithfully - so you don't (further) ding his credit).

Use them and pay them faithfully. 

During those 200 years, these nations always progressed through the following sequence: •From bondage to spiritual faith; •From spiritual faith to great courage; •From courage to liberty; •From liberty to abundance; •From abundance to complacency; •From complacency to apathy; •From apathy to dependence; •From dependence back into bondage.

He would heal them upon their demonstration of faith, at no cost to the taxpayers, and tell them to go and sin no more.

In this scenario we would have the option of rebutting the valuation, and if all failed, at least everyone concerned knows it was a good faith offer that failed because the lender valued it too high.

Taking advantage of those systems and programs offered by government, if done above board in good faith, as designed and intended, is not a bad thing, you do take tax advantages don't you, like credits for your kids.

It’s not all that difficult; all you would like quite anything is faith in yourself.

Banks like these as they know you're attempting to recover and will be faithful.  

Similar to many investors/business owner fearing to take a leap of faith.