• Unfortunately, there are NO options! For example, you owe $300K on a house that is now worth $175K. No lender is going to refinance unless you have $125K to come out of pocket with. Your best bet would be to contact your lender and see if they will work with you to write off part of what is owing and/or lower your payments. There are some companies that will negotiate with your lender for you, BUT DO NOT give them any money up front unless they are an attorney!

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