According to Money Magazine, one out of five homeowners currently owes more on his mortgage than the house is worth.  If you are among them but you can afford your payments and aren't planning to move for a few years, stop worrying.  You are rebuilding equity with each payment, and home prices will eventually rebound, bringing you above water again.  Refinancing may also be an option.  To see whether you're eligible to restructure or refinance your loan, go to www.mortgagereliefonline.com .  And if you're struggling to make your payments, contact your lender.  You are more likely to get help if you reach out before warning notices start coming.  If you need help concerning your Middle Tennessee mortgage pertaining to foreclosure , go to www.nashvilleforeclosures.com for more information.