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This is simple. Is your loan owned by Fannie Mae or Freddie Mac? Was your loan closed before May 31st of 2009? If it is and was your in luck. The HARP program was designed for you. Sometimes it can be done with no appraisal. Keep in mind if your house wasn't closed before May 31st of 2009 HARP 3.0 may be coming out soon, which extends the guidlines to 2010 or even 2011 so keep that in mind as well!Good luck.
The government has aloud people that have loans owned or guarenteed by Freddie Mac, or Fannie Mae to refinance there loan even if they owe more than what its worth. I have pasted a link that will show you the rules of this program. Your other option would be to try a loan modification. You have to contact your lender for this and I beileve you have to be current on your loan. They can be very time consuming but can help you alot if you get approved.To get more information on this I would also recommend calling a loan officer either through your lender, or where you bank at to get more information. Here is the link on the new refinance rules:http://www.bankrate.com/finance/mortgages/do-you-qualify-for-refi-plan-1.aspx
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For Sale: $119,000
For Sale: $519,000
For Sale: $198,133