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I have heard people tried loan modifications and they help lower payments. Don't need to refinance a loan, so even if home has gone down in value, it shouldn't matter. Anyone try these? Rach YEs, they defintely do work. Modifications are A good option. Here is something from the main site that give...

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You can't refinance if your home price is down and less then mortgage. The only choice you have is to modify your mortgage. And that can be done and save you money every month on your mortgage payment.
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