There are many solutions available to homeowners that are upside down with their mortgage. There are upsides and many downsides doing nothing at all when times are tuff. You may think doing nothing at all is the best solution and sometimes that is the best solution to homeowners, however, you must have a full understanding and knowledge of letting your home go to foreclosure. Knowing your options and selecting the right option is always the best option. What I mean by that is when you have a full understanding of all your options, then stick to it! Every situation is a different situation and only the you know what is the right option for you. Working with an agent that can explain all your options is probably your best foot forward at coming to a solution.