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Google: Refinance calculator It may not be worth to re-fi if you can't get at least 1% full lower. The CLOSING COSTS will be too much. In that case, I would like to see someone just dump the closing costs into the principal to reduce the interst over the life of the loan. Contact your mortgage lender. There are many programs out there to help you. If your mortgage lender gives you the brush off, google: Making Home Affordable . org This is the federal program that steps in when your mortgage company refuses to help. This is not cost to you - and they could give you some valuable information. They are there to help you!!!! /
What you are describing is the loss of Fair Market Value. I would probably not refi unless I got 2 points less. If I understand you, the house is worth keeping because you won't break even if you sell, much less make a profit. I had a long talk with USAA about the Tazewell situation and was told that it is a 'declining market.' Risk exposure, among other reasons. But, on the USAA website, there is a toll free number that may help: (800) 995-hope. Hope that, or Making Homes Affordable, can help you.
Unfortunately there really is not anything you can do. I bought a house near Orlando for my daughter in 2005, paid $250K and now it is $140K at best. No mortgage involved, I just lost the $110K. As long as you are paying your mortgage, keep doing so. You don't want the credit score hit a foreclosure would cause. You could certainly refinance down to 4.99% or so which would save you quite a bit on your payment.
The current market value of your house is quite irrelevant to your mortgage situation. As long as you are financially capable of making the payments, you are expected to do so. There are no guarantees relative to real estate market values. If your valuation had increased by $130K instead of decreasing by such amount, would you tolerate your lender RAISING your monthly payment on that basis ? I think not. The same approach is used in both directions.
Either continue paying back the money you borrowed or walk away and freely accept the consequences of strategic default. You could also write to the President and suggest that a law be passed that causes the principal balance of the loan to reset periodically to the current appraised value of the collateral.
Not my real name or face is a fool...he didn't lose a dime....