There has been a lot in the news lately about current homeowners that owe more than what their home is worth in today's market. In the lending community we have refinance loans that do not require an appraisal to support the value, the VA IRRRL, FHA Streamline and now the new and improved HARP 2.0 called Refi DU Plus. Very good alternatives to lower your rate, lower your payment and if you an adjustable rate, lock into a lower fix rate for 15 or 30 years. To explore options on a refinance verses looking at a short sale or letting your home go into foreclosure, call me at 909-503-5600  to see how one of these 3 home loan programs may benefit you.