How can I give back my to the bank If I cannot make the payments.

ScottGem

You talk to your bank, but this is not a good move. If you give back the home or allow it to be foreclosed on, you lose control. The bank will then sell the property at auction. If they do not get enough to cover the balance of the loan, you will still be on the hook for that balance.

Your best bet is to try and sell, even looking into a short sale.

N0help4u

Scott is right hold on to your house til the end and try selling it in the meantime. Also keep trying to work something out with the bank.
When I lost my house they said I had up until auction day to pay a certain amount to get it back.

Fr_Chuck

you can talk to the bank about acepting the deed in lieu of foreclosure, if they accept that, then they accept the deed and agree that you will not owe anything (but be sure that is what the agreement says)
But normally why should they, they can foreclose sell the property and then still make you pay the balance.