So you wake up every morning and you aren’t sure what to do. Your home is upside down, your job is paying you less, but you are a little uneasy as you are continually dipping into your savings account to make the mortgage payment. And in the back of your mind somewhere you remember that your home loan is due to reset in 9 months. Just so you know, you are not alone. In fact a number of people in southern California are currently in a similar situation. Is it disgraceful to short sell your home? That is sort of a moral question you have to overcome, but I personally think your mental health and emotionally stability are much more important than what your credit rating is.

