On September 22, we published a story in both print and video about a new federal program designed to help homeowners get their mortgage reduced to less than their home is worth. If you missed that story, check out New Program May Reduce Mortgage Principal for Underwater Homeowners.

Shortly after that story aired on the NBC affiliate in Miami, I was contacted by a viewer there who asked for some additional guidance getting into the program. I gave him more information and requested that he keep in touch and tell me how things worked out. Following is his first email – he does a super job detailing his experiences, and offers shortcuts for others who might follow in his footsteps…