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You might qualify for a loan mod that can fix the payments for you into a 30 year fixed. If you are looking for a prinicipal reduction that is few and far between. The short refi's are vaporware, pretty much non existent. Banks say they will do them, meaning hey we will let another bank take the loan but you won't be able to find another bank able to take the loan.
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For Sale: $129,900
For Sale: $295,000
For Sale: $169,900