At Equity Refi we help you refinance your mortgage to a lower balance. We can put you in an equity position at 90% to 97% of the current appraise market value, no matter what you owe.You can use this program if the property is owner occupied.We can do single family or 2nd home,1-4 units or a condo, town house, duplex. This is NOT a loan modification! It is a refinanced loan that erases negative principle. We work with two great companies, to accomplish the buyout of your old loan and the refi of the new loan.