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A foreclosure or short sale (selling the home for less than what he owes, with the bank's permission) would trash his credit scores, but with otherwise responsible credit behavior, he could begin rebuilding his credit to near-prime levels within a few years, singulair online without prescription.

He could get another mortgage from a conventional lender two years after a short sale and five years after a foreclosure. He could get a mortgage from the Federal Housing Administration two years after a foreclosure.

Once he understands his options, he'll still have to make a decision about whether he's comfortable walking away from this debt. Many people believe they have a moral obligation to pay a mortgage if they possibly can.