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HUGD, that was funny.Julia, there are a lot of loans for credit-worthy borrowers, even with equity challenges. Use the links Frank gave you for Fannie and Freddie. There is no way to express what awful advice @suprememgmcollum gave: Your servicer might be the worst source of advice possible. I don't call typically call an overseas call center for financial planning advice, but I certainly don't call the accounts receiveable department (that's what servicing is) to open up new credit or inquire about my options. That's how so many people are getting misled into skipping payments for loan mods that never happen.
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