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What I find odd is I talked with GMAC mortgage today and was told that BECAUSE we are current on our mortgage they will not do a loan modification (short refi/payoff) to bring our mortgage in line with the actual house value. They said our only option is a short sale. WTF?
They said we would have to be behind 3-4 months in order to possibly qualify for a loan modification. What a crock.
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