One of the most common things I hear when a prospective client contacts us for a mortgage refinance is “I just missed a mortgage payment and I want to refinance before it’s too late”. When I ask them about their credit, most of them reply “Oh I pay everything on time, I just got behind this one month on the mortgage”.It breaks my heart to tell them that in many cases, it already is too late. The reason is simple if you really think about it: If your home is your biggest …

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