refiance helpMy wife and I have a mortgage and 2nd with Beneficial. Â The rates are off the charts! My house has decreased in value and I have asked several lenders and brokers about a refi. Â Because of the decrease, no one wants to do a refi because I owe more than 90% of the value. Â I went to Beneficial and tried to talk to them about our rates and payment. Â They said I needed to be late on my payments for them to do anything! Â That is also the response from a few loan modifiers. Â Has anyone used a loan modifier that has a good reputation? Â The ones I have talked to wants several thousand dollars up front. Â If I had that money, I would not need a loanÂ modifier! Â If you areÂ strugglingÂ with your payments and have no extra money, What do you do?January 01 2009 - Collierville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.