I have an 8.65% adjustable mortgage loan. I have bad credit, but a lady from a mortgage company said that they can help me work with my bank to modify my loan. She is not asking for money down until she fixes it. I am also two months behind on my mortgage, she said that she thinks she can help me. Should I try this, and how good is this?
she also told me that I don’t have to get good credit for this modifaction.