Cant Refinance, Mortgage Upside Down?

- Home Mortgage upside down and need to modify loan into lower mortgage payment without refinancing? Have you been told one or more of the following: "Not qualified, Can't refinance, Mortgage upside down, Short sell or foreclose." Not options if you want to keep your home or made payments on time to protect your credit. Find out what you need to negotiate the loan modification you qualify for.readmore..