Simply put, when you owe more on your home than it's currently worth, you are (or would be) "short" of what you would need to close, should you sell.  So, for rough figures, let's say your home is worth $600,000, but you owe approximately $650,000, the revenue brought in should you sell would be "short" of satisfying the mortgage payoff.  Luckily, there are options! 

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