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If you are in a Fannie Mae or Freddie Mac I can help, if you don't know call me I can help.
You can contact your lender for a loan mod, but they will probably tell you that unless you are behind on payments, you arent in a financial bind, and will do nothing. I would suggest contacting an attorney who does loan mods. Take your time looking for them, as there are many scams out there. Just make sure they are an attorney, and not an out of work mortgage broker who was pushing these products two years ago. They are only in it for themselves. Your attorney should be willing to look over the numbers before taking any money, and if they tell you to stop making payments, run! A good attorney can hep you while your payments are current, so you can also protect your credit.
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For Sale: $49,900
For Sale: $309,900
For Sale: $9,900