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No, you do not need to refinance to get a lower interest rate. You might be able to qualify for the Home Affordabe Modification program. If qualified, you lender may lower your rate by modifying your mortgage. The first thing you should do is go to your lender's website. They should have a section regarding how to get assistance if you are having difficulty making your mortgage payments, or something similar. This is where you can find out if they participate in the Home Affordable Modification program. If so, you can find out if you qualify. If this information is not … (0 comments)
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