[lovelyeyes]

...home mortgage with the bank? I have owned my house for one and a half year now. always on time. unfortunately i am unable to refinance since my house is valued less than what i owe. Therefore, i am trying to renegotiate the terms of my loan so i could have a lower rate. what does that entail?

[foreclosureexpert]

One thing I recommend is checking out this site To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily. because they do this report that will qualify you with up to 40 different banks or something but offer you free modification assistance so you dont have to do it yourself once you're a member. Its cheap i think its like less than $40 bucks and you pay a monthly fee of like 30 dollars to update the report anytime and make sure you get the best loan! they qualify you based on the application you fill out so it checks out your situation..i got this and it helped me..hope that helps!