<prompt> Human: I moved to a new city with my family and was semi pressured into a new home but I do understand it was my choice. Sucks. It was exciting at first, this is our first home, but now almost 2 years later have came to terms that I cannot afford it. The house loan is standing at around 127k. I make about 38k with 1.1k mortgage payments. I have a daughter and wife. My wife and I have made this decision to move to help us with our expenses and be able to actually provide the needs our child deserves. Where should I start?Assistant: My question would be, is renting really much cheaper for you? It depends on the area, but a lot of times rents are higher than mortgage payments, even including the escrow stuff. So make sure you can even get an adequate place to live for a rent that is low enough to make it worth it.You could also try to lower the mortgage payment. Have you looked at maybe refinancing? If the house has appreciated enough you may be able to get out of PMI with a refinance. You could also try and lower your property tax by arguing with the local property appraiser to lower the tax value of your home, if you can argue that it is currently higher than it should be. Shop around for cheaper home insurance? These are some things Id look into first.Human: We have looked at apartments and found one for 900 a month that is 400 sqft less than what we have now.  <response>: If its just 200 dollars, theres got to be some side work that you or your wife can do. Do you have a spare room you could rent out? 