 then you would propose a short sale to the mortgage company. A short sale is where you're behind on payments, and the mortgage company thinks they're about to have to foreclose on it, and if they have to foreclose on it, they're only going to get X out of the house, and you can get them X today. They'll take the X. They'll take the reduction in the balance on the mortgage, but they're not going to cut it while you're current.