although I myself need mortgage help, I can still offer advice or even maybe a mortgage if you need help. If you have at leaset 65% equity in your home, I can get you a loan. I am also very familiar with programs in cities to help you pay with utility bills, etc. I know a great deal about credit repair too. If you are in the Connecticut area, I would like to invite you to my monthly Firsttime Homebuyers seminars. The daycare I worked at lost it's license so now I am behind in my mortgage. But I have a remedy, to open my own. If I can be of any assistance to anyone, please do not hesitate to ask. If I can't, I'll try and point you in a direction where you can get help.