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Message: <blockquote data-quote="Pl8er" data-source="post: 5671886" data-attributes="member: 540634">Let me throw this in and see if this makes sense to anyone.  I know a guy who hasn't paid his mortgage in 8 months.  He is now in foreclosure.  He bought a house that was too big for him and he couldn't afford it.  He actually still has his job, but just can't make the payments.  So now the gov't is going to have him renegotiate his mortgage and he is getting a MUCH lower APR.  Now me on the other hand has never missed a payment, almost always pay a few days early and sometimes multi-pay to try to get it paid off sooner.  My house doesn't have enough equity to refinance to take part in the new lower rates.  So now he is going to be helped for not paying and I am going to get stuck because I did the right thing and didn't just bail.How the F did this happen?</blockquote>

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