We are not sure exactly what you mean by "trading the bank," so it is difficult to answer this question. Perhaps you are referring to buying a larger home at an attractive price from the bank's inventory of foreclosed properties. It certainly can't hurt to explore various financing and home-buying options with your lender and local realtors, although a swap like the one that you propose seems unlikely.
Local housing professionals would be able to tell you about available programs in your area to assist home buyers. Of course, you'll need good credit to receive any kind of new mortgage and cash to cover closing costs since you have no equity to take out of your current home. Other options to consider in your situation could include remodeling your current home to enlarge it or renting it out if you can't sell it right now. In times when housing values are depressed, another option is to simply stay in your current home and make the best of it until your situation changes.
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