Open Question: Are there government programs to help homeowners??

[Administrator]

I live in southern california and my mortagage is very high. not including tax and insurance. I am dead broke and in the process of looking to refinance the house to have the payment go down a bit. I am now on a sub prime mortgage. Where can i get help?? Are there government programs that can help me lower my monthly??? and can they help me refinance the house? or where do i get help? my mother told me i should just forclose onmy home and rent. but i dont think right now would be the best route for me


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