[slowbubblecar]

You can try to go elsewhere, but it will be difficult. That is unless you have the cash to pay for the amount you are upside down and get a little equity. I know many lenders. Depending on where your loan is at, some won't even work with struggling members until the loan is at the point of foreclosure.

Look at things from the banks perspective. If rates lower, people want to refinance and get the benefit. If rates increase, the bank cant just call your loan because they are able to get a higher rate else where (unless you have been in default).

On the bright side, things could be worse. At least you have a home you can call yours and are able to make the payments.