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Loan payoff is $155 K. Home value has dropped from $200K to $135K. Is there alternative home appraisal
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My advice, I don't really know enough to give it.This is going to be a negotiation that only you and your lender can determine. There is no magic answer. Don't wait, start the discussion right away as it's best for both parties.How willing a lender is to negoatiate is almost always determined by it's potential losses realized through foreclosure. If the losses are too great, they will try to mitigate that loss through negotiations. They will certainly have the upper hand unless the borrower really doesn't care to keep the house.PLEASE, consult with a real estate attorney before trusting my advice or anyone elses! Bottom line.
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