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I have a feeling this is far too old to bring up now...but here goes. 9 years ago we bought our house where we currently reside (and can't afford). The lender convinced us to bring in old paystubs from a time when we made more money to make the loan 'go through'. At closing we were bumped up 2 points or so on the APR. Obviously we take partial blame for this as being dumb, naive and ignorant, but I'm curious if this is too late to do anything about. Thank you for any info in advance!
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If you are current in payment, then there is nothing you can do. I am not sure what you want to do. If possible, try to refinance. Rates are very low now. If you are in default, you can get a modification of terms if you meet certain guidelines. Speak to the bank about your options.
Answered on Jul 16th, 2016 at 6:39 AM