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User4585895 - you did not answer the question Deb asked, but if your loan is an existing FHA loan a streamline refinance would be viable option. An appraisal would not be needed, and closing cost & pre paids could be paid by a Lender Credit. At that rate /APR it is not likely an exksting FHA but other links Dunes provided should be explored.
Refinancing might be your best option but if that does not work you can also try a loan modification. You can also do a short sale if you do not want or can not keep your house.
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