My husband and I, both retired, bought a home in 2007. My husband passed away in April, 2008. I am left with a mortgage that carries a $78 monthly PMI payment and is at a high rate by today's standards. I am paying 7.375% and the PMI was sprung on us one day before the closing! Is there anyone who could try to negotiate with my mortgagee re the PMI rate and the high interest rate? My original mortgage broker is now out of business. I approached the mortgagee to renegotiate the PMI and they turned me down flat! I don't want to sell my home but I am seriously considering foreclosure. Any help will be appreciated.