Why loan modification vs. refinance? No Equity Required, and no appraisal needed (Appraisals that you pay for) Rates are NOT based on your credit. Refinance rates may be higher than what you are paying now! Credit score is NOT a factor. You may be 1 point off and get declined for a refinance. A decline, or lack of income may actually help you get a lower rate. No broker points, appraisal costs, title costs, escrow costs, and shopping for a lender.

 

 

 

 

 

 

 

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