I owe more on my house than what it is worth what do I do

[kewltony]

I OWE MILLIONS

[NoticeOfDefault]

You could also have the deal renegotiated some call it a loan modification.

Many banks have allowed loan modification ... many times they don't consider your FICO.

Sometimes a home owner may have umwittingly signed for a loan not properly executed; the banks breaking one or multiple laws opening your case for justifing a loan modification.

All of your mortgage documents and market history should be reviewed; producing a thurough report giving home owner game during renegotiations.