FHA loans, refinances and updates; Rates BELOW 4%???

Tara Bianco talks with Rebecca about refinancing options.  If someone can either PURCHASE a home or qualify to refinance- they should- today’s rates are the lowest ever in history!
Part of her team at Amerifirst Financial is Jeff Underwood who speaks here about Upside Down Mortgages with Fannie Mae/Freddie Mac that can refinance at today’s low rates as well.
If you want to stay in your home and need help affording it, before you try for a loan modification- you should see if you can refinance today first.  Loan modifications are bandaids to the real problem of being upside down, so please consider a Short Sale before you decide to ding your credit with a loan modification attempt, which most seem to fail.