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Just read an article on Salon regarding former mortgage brokers now setting themselves up as "loan modification specialists." One quote "Some of the "affiliates" appear to be in pretty desperate shape themselves in these hard times for the mortgage industry. One subcontractor recently went...

I've been lurking on the blog for a year or so.... great work, and great information. Obviously, if you had the credit score and ability to re-fi out of a toxic loan, you should have done so by now. But what if your current loan is ok... how do you decide if it's worth trying for a lower...