Aboslutely!!! You can even do it on your own.

However, I do recommend that you seek a professional to help you out. Afterall, you wouldn't hire your brother in-law to perform open heart surgery on you just because he wasn't busy, would you?

By having a professional assist you, in most cases they will be able to have your payments substantially reduced, have a fixed rate loan (negotiated with very low interest rates), and sometimes even principle reductions.  Your payment should decrease by about 15-40% and the foreclosure process, if any, will be immediately stopped. 

If you'd like me to point you in the right direction please email me at ProRealtor@verizon.net

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