Hi, I run the largest non profit organization in Washington State that is working on loan modifications. Bank of America and other large banks are lowering mortgages partly because of illicit previous practices. There was just a national settlement of the major banks that almost all United States Attorney Generals were involved with. If you private message me I can have you talk with a very reputable HUD approved counselor, one of my staff, who can answer your questions. They cannot help you in another State but you would get answers that you know are reliable. The Home Affordable Refinance Program can be a great relief to people in lowering mortgage interest and payments. It is for real. I do not do the direct work, I get the funds to hire the people who do the counseling and assist people to get the Home Affordable loan. It is called the HARP program for short. Go after it, it is worth it. Let me know if you want to talk to someone if you have questions. It really works-the banks do not want more foreclosures, they have all been penalized for previous practices. Many people are getting fed ex packages who did not request them. Jump on it is my advise. AND, do not pay anyone to help you. Every state has free non profit HUD certified counselors to help you put your package together. They want to help those underwater, it is a federal program, use it!!!! It is to help those underwater who make their payments and it is a gift, it really is. Take it. Jane
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