- Find a Real Estate Professional
- Realtors®
- Mortgage Lenders
- Home Improvement Pros
- Other Real Estate Services
- Review an Agent, Lender or Pro
- Marketing on Zillow
- Real Estate Agent Advertising
- Join the Professional Directory
- Popular
- Real Estate Market Reports
- More
Answers (3)

- sunnyview
- Contributions:25139
Very flippant comment when you are talking about a person's financial life, so spare me from your short sale is great for everyone. It is wrong when you have none of the information that you need.
@Joanie Have you looked into an FHA steamline? I do not know if that would work, but they do not require an appraisal so you might be able to drop your payment/rate. See if any of these programs to lower your payment might work or any to lower your rate might work. Ask WF if there is ANY program that might help you stay current and get legal advice before you even seriously consider short sale.

- Nicholas Ribeiro, "NicholasRibeiro"
- Contributions:1807
Short sale, liquidate, and start fresh!

- Bob Willett, "SacRELender"
- Contributions:194
If you have equity you can refinance anywhere. If not, you have few options. Maybe what Obama spoke of at the SOTU last week? I take it Wells Fargo didn't jump-up to help you.
My Wells Fargo mortgage is under water, not owned by Fannie or Freddie and doesn't qualify for HARP.
Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.
We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.