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If your house is worth much less than when you owe and you have refinancing points, keep trying. There is a program out there known as HARP that helps householders renegotiate their mortgages even though they owe much to the property. Consider having a dialogue with your mortgage lender to see if you qualify. If your lender is unwilling to cooperate with you, and you can also find someone you want to work with.
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Make sure you completely understand the mortgage and any related costs before you sing your mortgage property agreement. You will even be responsible for closing costs, commissions and other pricing. This may be negotiable with lenders and even vendors. Do not go shopping to celebrate the closing. Too much expense can send a pink flag to your lender once they do a second credit test a day or two ahead of your meeting schedule. Wait until the mortgage is closed to spend a lot on purchases.
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