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Resources

> Debt to Income Ratio
> Home Loan Modification
> Stop Foreclosure with Mortgage Refinance with Bad Credit
> Are You Facing a Home Foreclosure?
> Home Refinancing After Bankruptcy


Home Loan Modification

If you don't have enough equity to refinance, you may be able to do a home loan modification, also known as a loss mitigation program. With foreclosures continuing to rise and lenders having to deal with stacks of foreclosed properties, you may find that your lender is willing to negotiate. Check with your lender to see if you can qualify for a loan modification. It could save you a lot of money and stop the foreclosure. There are still bad credit mortgages available with some subprime lenders, so don't assume that you need to get a modification, because you may qualify for home refinancing.

Home loan modifications are great solutions for homeowners who do not want to lose their home and be forced to move after their home is foreclosed on. Modifying your loan can be tricky, so make sure you speak with a modification specialist who has a track record with loss and mitigation departments.