Home Affordable Refinance Program (HARP) Loan
You may be able to REFINANCE even if you're upside-down in your mortgage. With the HARP loan, you may be able to decrease your monthly payments. And, keep in mind, only a 620 FICO is required. If you have a Fannie Mae or Freddie Mac-owned home loan, let me know and I'll try to help you out.
To figure out if your mortgage is owned by Freddie Mac or Fannie Mae, use these websites:
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