then post your facts...
why are you upside down on your mortage to house value?
Did you buy in the last 3 years? Did you make a down payment? Did you get a 15 year or 30 year fixed rate loan with payments at 25% or less of your reliable monthly income?? How long did you expect to stay in your house when you bought it?
I have plenty of kleenex on hand
That’s right — fixed rate is the way to go. I’m glad to see this “interest-only” second-mortgage crap go by the wayside. It’s like chocolate strichnine — tastes great at the outset, but wreaks havoc soon afterward.