I have a 1st and 2nd mortgage on my house plus many other expenses and could use some home repairs so what are my best options? I really dont want to stay in the house either. What are my best options?

If you do not want to stay in that property, then it's better to sell it off. You can list the property in the market and apply for a deed in lieu of foreclosure with your lender. Depending upon the hardship that you are facing to pay off the loan, the lender may or may not agree to it. If you can convince your lender about your financial hardship, then you would be able to sell off the property. You won't be liable for the deficient balance resulting from the sale even. However, your score would go down by 250 points.

If you have equity, you might want to think about refinancing. Selling your home is not such an easy task right now. You can't be quite sure how long your home is going to sit. By refinancing, you'd be lowering your monthly expenditures which would help you catch up on your bills.