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Part of the homeowner retention plan is specifically for people with your types of loans who now cant refinance because the home is now worth less than what they own.The government stim. package has monitary insentives for just this exact sisuation.Their incouraging investors to even modify loans to up to 125% of current market value.so get on the phone with your bank it will take awhile these people just drag it all out . but be persistant you will come out ok.with your score you can do way way better.any problems just email me firstname.lastname@example.org gregorio is right in saying the media has created this problem but now it's yours. so good luck you'll do fine if you start making the calls.
My advice is to not sweat it like most people are doing. The "value" of your home is just on paper. Make your payments, be responsible as you have been with your 800 credit score and re-evaluate when it's closer to actually having to make a decision.Turn off the TV and Live your life! This is most likely a media created, non substantial issue for you to worry about right now.
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