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Will a loaner consider you? what can we do to get their attention? actually, that s something that has not been reported well either. yes, you can. there are programs out there, federal s that will allow you to go to 125% of the value of the property. they will let you exceed what you owe. fannie mae has to own that loan. that is a little restriction, but yes. most people, you make a great point, they are underwater, they can t either sell, write a giant check to leave or in some cases can refinance. it is kind of clogging up the market a bit. sounds like it is worth shopping around. what if if you are not secure about your job, which many are in that situation now. certainly if you don t have one it is tougher. what do you tell the lender when you are applying if you know in the text month you might lose your job. are you on in the next month, you might lose your ....