Question by jr: Does this sound as bad as I think it does ? Mortgage modification.?
Here are the quick facts : 1 the house is worth more than it will sell for because our neighborhood has deteriorated drastically. I will lose money. The house will sell for 20,000 less than the loan should I try that route. 2) the modification is a temporary lower interest rate to 6.8 for only 5 years. Then it shoots to 10.8 % for 23 more years. 3) I am in chapter 13 bankruptcy and cannot qualify for any
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