If you have any questions, feel free to contact me.
Apply Online: flagstarloans.com/lallison
If you have the equity and the credit, I would just find a mortgage broker and refinance.
I am a mortgage broker. If I can be of service, please let me know!
877-238-6324 Ext 704
Talk to your lender. They may do an interest rate reduction / conversion to fixed or a re-capitalization to fixed. If you are not behind and have great credit the Refi option is open if they say no. I assume you want to avoid the refi costs. Most loan modifications are oriented for people behind in payments.
Jon Tucker, RE/MAX 100, TuckerRealty@comcast.net