12,000,000 homeowners are underwater on their morgtages. Banks are willing to short sell homes and move families out of their homes. To fix this problem, banks that have received Goverment bailouts, should be required to renegotiate and re-write morgtages to the current market value with the right to recover any money that was written off and refinance if the home increase in value within 5 years. If the homes never recover in value, then the debt would be permenalty forgiven.



