Can I get a restructured loan if I do not have a hardship?My house is worth $162K, but I owe ~$240K. What are my options? I have decent credit (~700+), but, like everyone else in my neighborhood, I fear I will not be able to afford my mortgage once the interest rate changes in June.May 25 2009 - Ellenton00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.