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Refi / Restructure Assistance

By
Real Estate Appraiser with Accurate Appraisals & Consulting of AZ

With mortgage rates dropping below 6%, after the first week of Fannie/Freddie Federal Conservatorship, to rates similar to those in April -

http://www.mortgagenewsdaily.com/091...gage_rates.asp
http://www.realtor.org/RMODaily.nsf/...1?OpenDocument

is there anybody here that can provide assistance to Arizona Homeowners that want to keep their homes by refinancing or restructuring their current mortgage to a lower fixed rate or to the current market value of the property before they fall into foreclosure or decide to just walk away?