I received a balloon modification which I have not signed yet and I do not want. its for 19 years and 6800 and at end of the loan

Take your current monthly payment and multiply it by the remaining months on your current loan & then do the same for the new loan with adding in the 6800 and see which one is less.

When you are having issues - you need to fix the situation now. Stop the bleeding. It may not be what you wanted, but if it works for now, you don't need to keep the loan forever. You can redo it down the line.

Hello:If you have enough equity in your home, you may also qualify for a Reverse Mortgage which does not require that you make any mortgage payments; just pay the real estate taxes and insurance. If this is something you would like more information on, please call or email me.Beset regards,Patty HarrisonSmart Mortage Centers