President Obama has a plan to help Americans avoid foreclosure and keep the homes they live in, but what about the rest of us? We are a couple in our mid-thirties, married eleven years. During those years, we've been homeowners, completed graduate school, and worked our way up the ladder in both of our fieldsall on our own. In December of 2007, one of us got a wonderful job offer in another state and we packed, put the house on the market and moved. The other found a wonderful job, too, and all should be well. HOWEVER.....through no fault of our own, we cannot sell our home. Once worth 350K, it's now worth as little as 280K, and no bank even our current lender to whom we've NEVER missed or been late on a paymentwill give us a loan so that we can refinance the house at the current lower rates. Additionally, should we sell the home, we are certain it will be at a steeply reduced rate. Having spent all of our savings paying the mortgage while it sits on the market, we have nothing to pay the bank when we owe to close. Again, no one will give us a loan to pay these funds, so selling the house will create another problemno funds to pay the shortage. In just 15 months, eleven years of hard work, decent earnings and savings, have been completely undone. Move back to the house, you say? Not possible, since paying the mortgage and the rent has drained our savings and run up our credit cards. Now we can't afford to live there and have had to stop trying to sell it and rent it out at a rate below the mortgage--just to keep it out of foreclosure. The debt we've piled up and the loss of our savings means we can't get a loan for a new house even should ours sell. We're now stuck being renters anyway, so do we walk away from the mortgage? Do we turn our backs on the agreement we made with our lender now that times are tough and they won't help us at least make the payment more manageable with a refinance? Where is the help for soundly employed Americans who must live where their work is?