I have worked exclusively with a single mortgage guy, that may not be the best choice for everyone, but Ive grown a good relationship with him and we know what each other needs.

Lots of other choices North of Boston too.

Its a sad thing, but we are running out of choices with her @Matthew Paul  thanks 

Finding an heir and using the heir's interest to go through probate is a valid option, but often it is not the best choice. 

But it's their choice.

So his statement is accurate though maybe not the best choice.

I'll start with this:I don't see any reason to throw away 3 months of payments just to stay in a house that is underwater.I can think of several reasons:1) You thought the price was OK when you bought it.2) You need a place to live and its hard to find one you can have for free3) Prices may rise in the future4) Every car you ever bought with a loan was likely underwater for most of the time you owned it.5) You agreed to make the payments when you bought it6) No matter what choice you make other than paying your credit will be thoroughly wrecked.Now all that said I do understand that being stuck in a unaffordable housing situation may leave you little choice.

It is the choice of the owner to either do it themselves or to hire an outside party to do this.Take care of your investment, and it will take care of you.

You have endless choices.

How do i find distressed sellers or owner's who have no choice but to sell quick?