If your home loan originated before June of 2009, your home is worth less than your mortgage value,
it is a Fannie Mae or Feddie Mac loan, and the interest rate is 5.25% or higher, and you have been current on your payments for the past 12 months...you may qualify for this new program (HARP 2) to lower your mortgage. Just available in March, you may want to check this out. There is also some help for second homes and investors when certain conditions are met.
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