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It all depends on your hardship if your doing a loan modification, but there are no promises up front on the principal reductions all up to banks descretion. And if you are tring a short refinance, most banks won't touch them. They all say they will sell them to some other bank but no banks wants to pick up the bad asset. If you find a bank that actually does one and doesn't just say they do but won't you are very lucky.
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For Sale: $410,000
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