Upside Down!

SPeters, I would neet to have more information in order to give you some guidance. First where is the property located and who is the current lender. With that information, we may be able to develop a plan.

Yikes. I know you must be concerned about your situation, but the only real option you have is to work with your current lender on a loan modification. There are a lot of folks out there willing to take you money and offer to help with a loan modification, but you can complete the paperwork yourself and your lender is just as likely to approve a loan modificaiton for you as they would a 3rd party you hire. Give you lender a call and request the package and see if you can get something done with them. I wish you luck!

What is your margin on your loan? What borrowers need to understand is that when rates adjust they usually adjust to a lower rate unless you got your mortgage through a subprime lender. If your margin is under 3.00% then you are looking pretty good. The index that it would adjust to is below 1% so your rate would probably go lower. Don't panic, you might be in luck!

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