Hello Michael, Make a choice here, you probably want the short refinance which is a principal reduction refinance to 97.75% of todays market value. You may qualify for a Streamline refinance which could also save you a lot of money and very little verification to qualify.

https://secure.jotform.us/form/22719376411151

I only need to ask a few dozen questions to approve you for what options are available today.

You may even qualify to rent out your current home and buy another one bigger, better and newer at todays lower prices and record low interest rates. Ask about the CHF Access half percent down payment program with a minimum 580 fico score.

http://www.under640ficoscoreloans.com/Pages/HalfPercentDown.aspx

http://www.under640ficoscoreloans.com/Pages/ContactSheryl.aspx
Sheryl Arndt, Real Estate Broker – Sr. Loan Officer CA only
REO & Short Sale Specialist
20+ Years Experience
DRE# 01140252
NMLS# 297251
760-486-4225

Hi Michael,

Do you own your home? I am assuming if you do you want to refinance. You need to talk to several lenders to see if someone can help you. There are some good lenders on here too.

Good Luck,
Christine