For anyone who has purchased a home in the last 2 to 5 years, values have dropped so much that many of you owe more than your home is worth. This makes it nearly impossible to refinance in order to take advantage of today’s historically low rates.

I have two special refinance loan programs for people who owe more than their homes are worth. These special programs are designed with your situation in mind.

These ARE NOT loan modification programs and I do not charge an upfront fee for my services.

Please give me a call so I can tell you how the program works and see if it will work for you.