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Unless.You should be able to work out an agreement with your lender to "change" the language and comparison to its your loan. This involving situation will call for "modifying" your loan. You alter the terms to make it simple for you to keep owning and paying to get your house. Might include interest reduction to reduce your payment and taking your unpaid payments and putting them back into the loan. The new terms enjoy the effect of creating new monthly payments, which will be cost effective for you. Your monthly payments would now fit on your own monthly overall price range.
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