Let’s face it, these are difficult times. This article is intended to share my 17 years of real estate experience and how to save your home, protect your credit and fend off the fraudulent foreclosure scam artists.

There are several reasons people consider refinancing, one of which is to take advantage of lower interest rates to either decrease their monthly mortgage payments, or shorten the terms of their loan.

Most people think a good way to avoid foreclosure is to refinance. However, the chances of refinance are slim because of missed payments. Learn the one possible option for refinancing and why mortgage brokers may not be your best choice.