Are you one of those Americans that won’t qualify for the new homeowner tax credit because you’re not a ‘new’ homebuyer or because you don’t want to move?

Have you considered modifying the mortgage loan?

Were you aware that you ‘can’ do it yourself? Just get on the phone and call your home mortgage company and ask about refinancing into a lower interest rate. They’ll be glad to help you.

Should you decide to use an outside source to handle the transaction for you – remember that they should not ask for an ‘upfront’ fee.

You might also consider American Residential Law Group. At their website, you’ll find Positives and Negatives of Doing a Loan Modification Yourself.

Sometimes, for the big things in life, it’s smart to retain a professional.