I am specializing in loan modifications. The company I work for has a 100% success rate in getting loan modifications done that are approved by our ...in house underwriter! If you are in trouble with your home there are other options besides a refi, foreclosure, and short sales! Lower your payment and save your home! Loan mods can lower your principal owed, lower your interest rate, and can keep your credit intact. You don't have to be late to get a loan mod either...however, if you are already in foreclosure a loan mod can stop the process. You may not qualify for a refi, however if you are experiencing a hardship you probably qualify for a modification. We are saving peoples houses that are on the auction block! Most people's payments are getting reduced by half. We are getting their principle reduced and their interest rate dropped down to 0%-4%. Contact me to discuss the possibilities.