On medical disability limited income nowhow can i refinance to save my housepayments are current?

Gavin
i am having no luck getting help from my current mortg company(wilshire credit corp) with a rate mod or refinance. i have an arm that will increase in oct 2009(current rate at 6.5), they want all kinds of fees upfront and due to my disability income are stating they will not help. who will help??? i am at my wits end trying to save my home before october. PLEASE HELP

Ashlea
Sorry but without a cosigner no company will lend you money. Your lack of income is the hindrance. You do not earn enough to cover the payments.

Delia
You might need someone else to help with the loan modification. Be careful - there are so many scammers out there. Check with a couple of mortgage brokers in your area to see if they have anyone on staff that can help you.

Larissa
Persevere. Keep calling them and ask for a supervisor if you get nowhere. Talk to different people at lender, keep calling and asking.There are programs out there to encourage lenders to act now.Go to HUD approved credit counseling agency, read up on Obama's programs. Some states also have programs.As long as your income is adequate to pay the mortgage and taxes, you should be eligible for a loan modification, and these have limited fees involved. You get changed to a fixed rate from your ARM, usually at a cheaper rate. 6.5% isn't bad.You are right to beware the scammers who charge a lot for loan modifications.If your income has changed due to your disability and you can't afford the home, none of this will help. You need to get a tenant/roomer to help with expenses or a cosignor on mortgage.