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Are there agencies who will provide reduced principal mortgages?

are there companies that will provide legimate new mortgages with a reduced principal based on the current home value with reduced mortgage interest rates for 30 yr,  fixed mortgage rates?  - not modified
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March 09 2010 - Phoenix
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Martin is right. To put it in my terms, a snowball would have a better chance in hell than you would in pulling it off.
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March 09 2010
no, not without the existing lender accepting some type of short payoff.
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March 09 2010
 
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