Zillow Advice: Loan Modifications - up side down mortage http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ Zillow Advice | Zillow Real Estate Do you want to stay in your ... http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ Do you want to stay in your home?&nbsp; If so, I would look into the HAMP program or other loan modification programs.&nbsp; <br/><br/>If you find out you cannot refinance and stay in your home, then I would talk to your lender about the HAFA program which others have suggested.&nbsp; If you qualify, you can get $3000 for relocation fees when you move out.&nbsp; You have to be living in the home prior to close to receive these funds.&nbsp; If they property is vacant, you will not qualify.<br/><br/>Sheri Negri<br/>Better Homes &amp; Gardens Real Estate Sat, 06 Oct 2012 03:30:00 GMT http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ 2012-10-06T03:30:00Z I would verify if you have ... http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ <p>I would verify if you have a Fannie or Freddie loan first. If yes, apply for a Harp 2.0 loan.</p> Thu, 12 Jul 2012 20:02:00 GMT http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ 2012-07-12T20:02:00Z Cheryl - It is impossible ... http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ <p class="MsoNormal">Cheryl - It is impossible to determine if there is no appraisal needed without hearing the loan scenario.<br/><br/>User - Your original loan needed to be originated prior to 5/29/2009 and also owned by Fannie Mae or Freddie Mac with no lates in the last 12 months and a minimum fico of 620.<br/><br/>Any questions or concerns please post the complete loan scenario.</p><p class="MsoNormal">&nbsp;</p><p class="MsoNormal">Thank you - James</p> Thu, 12 Jul 2012 19:34:00 GMT http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ 2012-07-12T19:34:00Z See if your loan is Fannie ... http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ See if your loan is Fannie Mae or Freddie Mac backed, you can get help refinancing.<br/><br/>check with the following sites first<br/><br/>https://ww3.freddiemac.com/corporate/<br/>http://www.fanniemae.com/loanlookup/<br/> Thu, 12 Jul 2012 19:32:00 GMT http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ 2012-07-12T19:32:00Z [phone number removed by ... http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ [phone number removed by Zillow moderator] Thu, 12 Jul 2012 19:12:00 GMT http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ 2012-07-12T19:12:00Z I would look into HARP&nbsp;or ... http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ I would look into <a rel="nofollow" href="http://www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx/">HARP</a>&nbsp;or possibly an <a rel="nofollow" href="http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/buying/streamli">FHA streamline refi</a> that requires no appraisal. Hope the links help.&nbsp; Thu, 12 Jul 2012 18:58:00 GMT http://www.zillow.com/advice-thread/up-side-down-mortage/450774/ 2012-07-12T18:58:00Z