RI, BofA, and I refied about 2 years ago.
I don't think they are going to let me out of it just because I want to live more frugally. I can afford the house as long as I am working at my current job, but I would rather be saving for retirement.
Sorry , if the loan was mid-2007 or earlier I could help... talk to a real estate lawyer ,, find out what you can be held liable for before you make any plans ...
Personally I think we’re going to have high==>hyper inflation within 1-2 years ,,, if you can hold on til then whatever your monthly payment is will seem puny ... equal to maybe what a typical McDonalds lunch will cost then.