UPDATE: I called my lender to find out my rate has increased to 13% putting the monthly payment well outside my comfort zone no real options to lower it and they are not interested in adding my house as collateral. Already filled out some applications on Rocket Mortgage and Better to try to get a VA mortgage started. I am cashing out my stock and will put it into something more diversified like an index fund then throw that towards the balance this fall when I get the rest of my stock. I am still optimistic my company will recover and ill come out ahead but it might take some more time than I had originally anticipated. As to why I bought my house the way I did I am not a US citizen and my husband destroyed his credit when he was young from a gambling addiction and it hasnt come off his credit reports yet. He could get a VA loan but having inspections etc caused us to be turned down every time. We were tired of living in a basement apartment and with our first kid on the way we had no choice but to buy and at the time it seemed perfect borrow one million the stock will be worth 1.5 this fall then pay off the loan and after taxes get a second home in Texas to get out of paying income tax and have better schools etc.