is there any hope for refinancing

I think, since you're upside down on your mortgage loan, you won't be able to refinance. Moreover, at your score, it'll be difficult for you take out a new conventional mortgage loan. However, you can pay the difference betweeen what you owe on the loan and how much loan amount the refinancing bank is ready to offer you. Regarding paying off your credit card debt, you can seek professional help from debt relief companies to solve your financial problems.    

Hi Stevens! Welcome to forums! You don't have any kind of equity in your property. In such a situation, none of the lenders will be ready to offer you a mortgage refinance. If you're finding it difficult to pay your mortgage now, it will be better if you could contact your lender and apply for a http://www.mortgagefit.com/know-how/loan-modification.html">loan modification. If the lender accepts your request, he will offer you better terms and conditions for paying off both the loans easily. This will help you in a better way compared to a http://www.mortgagefit.com/refinance.html">refinance. Feel free to ask if you've further queries. Sussane

Refinancing for home loan has a lot to do with your current financial situation, as one has to repay it for a long period of time.  And besides that there are some adjustable loans too that exactly fits with your finance. Today we may find several such companies who are providing a good line of cash loan which is pretty flexible with low interest rates.

Well, I too think that you should try modifying your home loan as this will negate the hassles of taking out a new loan altogether. Repay your credit card debts by seeking professional help.

Husband left me and my kids, i was passing though pains, sorrow, heartbroke, going crazy but this is how i restored happiness back in my life by getting my husband back.  I’m Tiffany Wilson from UK. I'm happily married to a lovely and caring husband with two kids. A very big problem occurred in my family seven months ago,between me and my husband .so terrible that he took the case to court for a divorce. he said that he never wanted to stay with me again,and that he didn't love me anymore.So he packed out of the house and made me and my children passed through severe pain. I tried all my possible means to get him back,after much begging,but all to no avail.and he confirmed it that he has made his decision,and he never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my husband .So i explained every thing to him,so he told me that the only way i can get my husband back,is to visit a spell caster,because it has really worked for him too.So i never believed in spell,but i had no other choice,than to follow his advice. Then he gave me the email address of the spell caster whom he visited.{Templeofloveandprosperity@gmail.com}. So the next morning,i sent a mail to the address he gave to me,and the spell caster assured me that i will get my husband back the next day.What an amazing statement!! I never believed,so he spoke with me,and told me everything that i need to do. Then the next morning, So surprisingly, my husband who didn't call me for the past 7 months,gave me a call to inform me that he was coming back.So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of  Dr Frank Ojo a spell caster. So, If you have any problem contact him, I give you 100% guarantee that he will help you, Thanks to Dr Frank Ojo for bringing back my husband ,and brought great joy to my family once again,  so here his email address  { Templeofloveandprosperity@gmail.com  } Website address: http://lovespell2.yolasite.com, His Mobile number: +234)80- 7237-0762, He is a super natural Human and he is the best spell caster online contact him if you have any problem.   E-mail: Templeofloveandprosperity@gmail.com . Web site:  http://lovespell2.yolasite.com .

Glorious be Unto Dr Ukaka the great man and ever, my name is Queen Jewel from Florida city usa. since 1 and a half year I have witness what is called heart broken. my boyfriend that promised me marriage failed me and impregnate me and leave,he dump me,he stop calling" he stop picking my calls,and he no longer respond to me. I have be looking for solution,I fall into the hands of fake spell caster,they rough me off and took my money without help.I have cried,I have weep"and tears runs out of eyes. The silentness in my heart brought me to the deepest path of failure that I lost my job. Crying all day,because of my life was lonely. So thanks to Ukaka that came into my life and brought me the greatest joy that was lost. I saw his mail while browsing and I contact and tell him what I am passing through with no doubt because what saw about him,was enough to believe. And I was given words of solution on what to do. I can't really help thinking about it I have tried to see what I can do, I manage to provide him some materials and he help me with the rest,after casting the spell, 12hrs later he came with rose on his hand and I was even about going out,i saw him in front of my door when he sees me he knee and said he is dying I should forgive him and accept him back he was crying,I can't wait to let him finish I quickly crab him and kiss him, just then" he said he is restless without me, just as the prophet has said he will be. He brought out a ring and put it on my hand. Our wedding day was scheduled,1week after we got married. today makes it 2weeks and we are living happily I don't know how to praise him enough, he has done me a thing I can never forget. And I can't really share to myself alone, I want y'all to help me praise him because if it is wasn't for him I already plan of committing suicide. But right now I am now so happy more than I was before. And you out there crying for help you've already got one,Ukaka  is the man that you need in all rampart. contact his address if you need his service, freedomlovespell@hotmail.com also contact him on his web site: freedomlovespelltemple.yolasite.com  

My life became devastated when my husband sent me packing, after 8 years that we have been together. I was lost and helpless after trying so many ways to make my husband take me back. One day at work, i was absent minded not knowing that my boss was calling me, so he sat and asked me what its was all about i told him and he smiled and said that it was not a problem. I never understand what he meant by it wasn't a problem getting my husband back, he said he used a spell to get his wife back when she left him for another man and now they are together till date and at first i was shocked hearing such thing from my boss. He gave me an email address of the great spell caster who helped him get his wife back, i never believed this would work but i had no choice that to get in contact with the spell caster which i did, and he requested for my information and that of my husband to enable him cast the spell and i sent him the details, but after two days, my mom called me that my husband came pleading that he wants me back, i never believed it because it was just like a dream and i had to rush down to my mothers place and to my greatest surprise, my husband was kneeling before me pleading for forgiveness that he wants me and the kid back home, then i gave Happy a call regarding sudden change of my husband and he made it clear to me that my husband will love me till the end of the world, that he will never leave my sight. Now me and my husband is back together again and has started doing pleasant things he hasn't done before, he makes me happy and do what he is suppose to do as a man without nagging. Please if you need help of any kind, kindly contact Happy for help and you can reach him via email: happylovespell2@gmail.com

My life became devastated when my husband sent me packing, after 8 years that we have been together. I was lost and helpless after trying so many ways to make my husband take me back. One day at work, i was absent minded not knowing that my boss was calling me, so he sat and asked me what its was all about i told him and he smiled and said that it was not a problem. I never understand what he meant by it wasn't a problem getting my husband back, he said he used a spell to get his wife back when she left him for another man and now they are together till date and at first i was shocked hearing such thing from my boss. He gave me an email address of the great spell caster who helped him get his wife back, i never believed this would work but i had no choice that to get in contact with the spell caster which i did, and he requested for my information and that of my husband to enable him cast the spell and i sent him the details, but after two days, my mom called me that my husband came pleading that he wants me back, i never believed it because it was just like a dream and i had to rush down to my mothers place and to my greatest surprise, my husband was kneeling before me pleading for forgiveness that he wants me and the kid back home, then i gave Happy a call regarding sudden change of my husband and he made it clear to me that my husband will love me till the end of the world, that he will never leave my sight. Now me and my husband is back together again and has started doing pleasant things he hasn't done before, he makes me happy and do what he is suppose to do as a man without nagging. Please if you need help of any kind, kindly contact Happy for help and you can reach him via email: happylovespell2@gmail.com

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How To Get Your husband Back & Avoid Divorce,Love Spells That Really Work Fast My Name is isabella, I am From United Kingdom.i am hear to give testimony of how i got back my husband, we got married for more than 9 years and have gotten two kids. thing were going well with us and we are always happy. until one day my husband started to behave in a way i could not understand, i was very confused by the way he treat me and the kids. later that month he did not come home again and he called me that he want a divorce, i asked him what have i done wrong to deserve this from him, all he was saying is that he want a divorce that he hate me and do not want to see me again in his life, i was mad and also frustrated do not know what to do,i was sick for more than 2 weeks because of the divorce. i love him so much he was everything to me without him my life is incomplete. i told my sister and she told me to contact a spell caster, i never believe in all this spell casting of a thing. i just want to try if something will come out of it. i contacted Dr NICE OKSE for the return of my husband to me, they told me that my husband have been taken by another woman, that she cast a spell on him that is why he hate me and also want us to divorce. then they told me that they have to cast a spell on him that will make him return to me and the kids, they casted the spell and after a week my husband called me and he told me that i should forgive him, he started to apologize on phone and said that he still love me that he did not know what happen to him that he left me. it was the spell that Dr NICE OKSE casted on him that make him to come back to me today,me and my family are now happy again today. thank you Dr NICE OKSE for what you have done for me i would have been nothing today if not for your great spell. i want you my friends who are passing through all this kind of love problem of getting back their husband, wife , or ex boyfriend and girlfriend to contact professionallovespell@hotmail.com . and you will see that your problem will be solved without any delay.