HBT Mortgage strives to help their clients by making the experience of buying or refinancing as pleasant as possible. HBT offers a variety of loan types. They are willing to learn about your situation and then suggest the kind of loan that will work best for you and your budget. HBT Mortgage may also be able to help you lower your rate, even if your loan balance exceeds the home's value. Please feel free to give them a call to see if you qualify or if you have any questions.