After doing some research on our finances regarding our ARM mortgage, I have come to the conclusion that we need to do a loan modification. When I had talked to the refinance guy a couple of months ago he said my FICO score was not high enough to qualify for a refinance.
After looking on the web, I find there are a zillion companies for loan modification, like people are jumping on the bandwagon to make a quick buck and take advantage of people in dire circumstances. Has anyone on the list used a reliable company? I would appreciate your feedback.
What I have gotten into the habit of doing is if I see a company listed, I check them out at ripoffreport.com. If someone has reported a bad experience with that company (and I have had my experiences, too) then I don’t even contact them.