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Underwater Mortgage

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Conventional, FHA, VA, and USDA Options Available!

What is Underwater Mortgage Help?

We are a group of experienced lenders with access to dozens of underwater mortgage options nationwide.

How can you help us?

Through the many government underwater mortgage programs that are available today, we can help most homeowners with no appraisal refinance options.

We owe a lot more than our home is worth on our underwater mortgage, can you still help us?

Yes. Because most programs have no appraisal requirement, meaning loan-to-value ratios are not a factor.

Do I have to be on time with my payments?

Yes. Most underwater mortgage programs require on-time payments over the past 12 months. Some allow for one 30 day late payment over the past 12 months and you must be currently on time. If you are behind on your mortgage, you must call your current lender to discuss a loan modification.

Are the rates on an underwater mortgage higher than on a regular refinance loan?

In most cases no. Some programs do have a slightly higher rate, but the point of these programs is to enable people to roll into a lower payment, so guidelines allow for at or near-market rates.

What programs do you have?

We have underwater mortgage options for current Fannie Mae, Freddie Mac, FHA, VA, and USDA loans.

For a free, no obligation consultation, call our underwater mortgage hotline at 303-670-0137!