mortgsge is not fix and interest is going up every 5 months. owed 66,000.00 and property value is only 20,000.00 plus.

If it is owned by Fannie or Freddie you may be able to do a Harp loan if you need to lower interest rate or get a fixed rate.

If you are unhappy with your current loan, generally speaking, you would just contact a local mortgage broker in your area to see about refinancing into a loan you like. If you are underwater, your options may be more limited... But still contact a local mortgage company in your area to review your options. www.StPaul-Mortgage.com