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2. How to lower your mortgage payment

   www.aol.com/finance/lower-mortgage-payment...

   Recast your mortgage. Eliminate your mortgage insurance. Modify your loan. Lower your taxes. Shop around for a lower homeowners insurance rate. Apply for mortgage forbearance. 1. Refinance to ...

3. This under-the-radar mortgage hack is saving some ... - AOL

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   With this in mind, homeowners can ask for a mortgage rate modification. This is an agreement between a borrower and their lender to adjust the interest rate on a loan without a full refinance. How ...

4. Helping Families Save Their Homes Act of 2009 - Wikipedia

   en.wikipedia.org/wiki/Helping_Families_Save...

   Authorize the Secretary of Housing and Urban Development to pay out all or some of the balance owed on any Federal Housing Administration-insured loans that are modified under the legislation. Expand the HOPE for Homeowners program; Provide a legal safe harbor from liability for lenders that enter into loan modifications or workouts with borrowers.

5. 'It has just wrecked my whole life': Texas woman, 85, says ...

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   Homeowners looking to modify their mortgage may also want the help of a real estate lawyer to review the new terms. “Bottom line is: get everything in writing,” Charles Herbert, another member ...

6. Home Affordable Refinance Program - Wikipedia

   en.wikipedia.org/wiki/Home_Affordable_Refinance...

   The Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to allow those with a loan-to-value ratio exceeding 80% to refinance without also paying for mortgage insurance. Originally, only those with an LTV of 105% could qualify.

7. Loan modification in the United States - Wikipedia

   en.wikipedia.org/wiki/Loan_modification_in_the...

   Loan modification is the systematic alteration of mortgage loan agreements that help those having problems making the payments by reducing interest rates, monthly payments or principal balances. Lending institutions could make one or more of these changes to relieve financial pressure on borrowers to prevent the condition of foreclosure.

8. Flex Modification Program (FMP): Everything you need to know

   www.aol.com/finance/flex-modification-program...

   The Flex Modification program is a conventional loan modification program designed to help homeowners who are experiencing long-term or permanent financial hardship. Using this program can help ...

9. Loan modification company - Wikipedia

   en.wikipedia.org/wiki/Loan_modification_company

   A loan modification company, also known as a mortgage modification company, is a business that helps homeowners in the United States modify the terms of their home loans or mortgages. When a mortgage is modified, the original terms of the home loan contract between a lender and a borrower are renegotiated and then altered, usually in the favor ...