[ale_0806]

I have an adjustable rate mortgage. My home has no equity. What can I do to lower the pmt? Like many people i was one of the many that got stuck with an adjustable rate mortgage. My pmt is about to adjust, is increasing by $400. I don't know what to do because the housing market is very shaky and i can't sell my home because i owe more than it's worth. Please someone, help i don't know what to do. What options do I have. Many people have told me to talk to my lender and see if we can come into an agreement instead of foreclosing my home.