REFI OR MODIFY?I HAVE A 359000 FHA LOAN ON A 425000 HOUSE THRU BANK OF AMERICA AT 6%. PAYMENT OF 3205 IS TOO HIGH. P&I 2205-ESCROW 1000June 14 2009 - US00YesReport 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.