Trying to move on from a mortgage you cannot/do not want to afford? Then you should look to use a mortgage relief program. These are provided by home buying firms who will happily take on your home for you and take over the mortgage payments you can no longer make. This is extremely useful as it can save you from messing around making payments yourself.
Look for a company that offers a simple slogan: We take over mortgage payments in Charlotte. A friend of mine used Favor Home Solutions, and they could quickly and easily sell their home for a reasonable price.
It wasn’t the same as they would get selling to an actual buying homeowner, but home buying companies like FHS do offer easy ways to escape mortgages without the reputational harm.