As long as your credit and loan to value ratio qualifies with lending guidelines along with the ability to verify sufficient amount of income, you may want to consider refinancing. However, if you are currently behind on your payments your home value is less than the loan balance.

Refinancing is not an option for you. If you have already made the decision to walk away and/or a Loan Modification was denied, the next best alternative is to pursue a Short Sale or a Deed in lieu of foreclosure (cash for keys) for the best possible resolve for your current situation. We have experience in negotiating and managing all of these transaction types. Keep in mind that we are always legally and ethically bound to find the best solution for YOU in this process. Lenders are bound and financially responsible to find the best solution for their employer THE BANK!