Are you looking for a loan modification or a refinance? If you are not in any hardship a loan mod is probably not the answer, you should see if you qualify for a refinance. Feel free to contact me and I will walk you through the process, we are in San Diego. Gregorio Denny --WeFixRates.Com--

Jamie review my profile and get with me.. We are a nationwide FDIC bank that can help you achieve your lending needs. Talk to you soon.

Hello Jaime. Freedom Mortgage is a Direct Lender licensed to fund loans in all 50 states. We would be happy to work with you to lower your rate. Please send me an email for a FREE quote. adennie@fmbranch.com.

Jamie, I guess the question is why are they refusing to help you. I've heard of a few lenders/servicers refusing to help because they didn't see the benefit for themselves; even though the benefit is they get to keep you as a customer. Perhaps it's your value, loan to value, etc. Did you get any clarification on that?

Jamie..What do you owe, what do you think the home is worth and who is the lender..?Best,Matt

FNMA now requires you to be employed and have a mid credit score above 660 to get a decent rate. If you are employed, you might trying FHA since FHA requires only a 620 mid score and allows a debt ratio up to 55%. If you need help repairing credit contact me and I have someone who may be able to help you.