Want to refi to avoid foreclosureWe want to refi on our current loan to avoid foreclosure or default...our payments are just too high. The problem is our balance is higher than our home value...is there anything we can do? We have no debt and excellent credit.January 26 2009 - Rancho Santa Margarita0YesReport 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.