Select Portfolio Servicing would not cooperate with me because I have Mortgage Insurance Salt Lake City Utah

In 2007 I refinanced my home to a 30 year fixed (interest only) to get out of an ARM. The loan did not originate with SPS, but it was transferred to them almost immediately. Later in 2007 I got divorced and neither party could afford the home alone. I tried to sell it but we were upside down.

I contacted SPS and they stated that they were willing to do a shortsale. I put the home on the market, got 8 offers and they accepted one. I moved out of the house only to have them tell me that the mortgage insurance would not approve the short sale. They stated that the only way that I could Short Sale would be to agree to pay the balance on the mortgage as a personal loan ($100k). I refused.

Next I tried to do a loan Modification, but they said that that was not possible since they weren't the owners, only services. I asked (many times) who the owners were so that I could do something about it (like try to negotiate a solution), and they would not tell me.

Finally, I tried to give them a Deed in Lieu of foreclosure but they stated that the only way that I could do a deed in lieu would be to agree to pay the balance on the mortgage as a personal loan (now about $150k).

On January 13, 2009 they finally foreclosed after a year of my not making mortgage payments. I feel that I tried everything to work out a solution and they were uncooperative. Is there anything I could have done differently?

Bummed in ca
Fountain Valley, California
U.S.A.