{"id":2328,"date":"2012-07-16T09:36:00","date_gmt":"2012-07-16T13:36:00","guid":{"rendered":"http:\/\/www.zoocasa.com\/blog\/im-house-broke-should-i-approach-my-lender-and-ask-to-get-out-of-a-mortgage\/"},"modified":"2018-10-11T15:07:32","modified_gmt":"2018-10-11T19:07:32","slug":"im-housebroke-should-i-approach-my","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/im-housebroke-should-i-approach-my\/","title":{"rendered":"I&#8217;m house broke! Should I approach my lender and ask to get out of a mortgage?"},"content":{"rendered":"<div><a href=\"http:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/blogger\/-aZquCd8QDSc\/UAQm4sqjlWI\/AAAAAAAAAsM\/jP13YFJS6ZM\/s1600\/Worried.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/blogger\/-aZquCd8QDSc\/UAQm4sqjlWI\/AAAAAAAAAsM\/jP13YFJS6ZM\/s320\/Worried.jpg\" width=\"320\" height=\"192\" border=\"0\" \/><\/a><\/div>\n<p><b>Zoocasa Ask Pros Question of the Week<\/b><\/p>\n<p><i>&#8220;I&#8217;m &#8216;house-broke&#8217;! Should I approach my lender and ask to get out of a mortgage, and take on a motgage with a longer amortization? Even if there are penalties&#8230;&#8221;\u00a0<\/i><\/p>\n<p><b>This week&#8217;s featured answer:<\/b><\/p>\n<blockquote><p>Check to see if your mortgage, if it is insured, is with Genworth. They actually work with a client to try to get them through a rough patch. They do not want you to default as it costs them money. Talk to your lender to see what options are available. If things are really hopeless there is a refinance available where the company buys your house and you lease it from them for a couple of years and then buy it back. The upfront cash pays off your debts and you rebuild your credit over the next couple of years. It is not the best option but you keep your house.<\/p><\/blockquote>\n<p><i><b>See the <a href=\"http:\/\/www.zoocasa.com\/en\/location\/0-General\/questions\/2023-Im-housebrokeShould-I-approach-my\" target=\"_blank\">original post and get more Real PRO Answers<\/a>. <\/b><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zoocasa Ask Pros Question of the Week &#8220;I&#8217;m &#8216;house-broke&#8217;! Should I approach my lender and ask to get out of a mortgage, and take on a motgage with a longer amortization? Even if there are penalties&#8230;&#8221;\u00a0 This week&#8217;s featured answer: Check to see if your mortgage, if it is insured, is with Genworth. They actually [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"footnotes":""},"categories":[468],"tags":[],"class_list":["post-2328","post","type-post","status-publish","format-standard","hentry","category-mortgages-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>I&#039;m house broke! Should I approach my lender and ask to get out of a mortgage? | Zoocasa Blog<\/title>\n<meta name=\"description\" content=\"Zoocasa Ask Pros Question of the Week &quot;I&#039;m &#039;house-broke&#039;! Should I approach my lender and ask to get out of a mortgage, and take on a motgage with a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zoocasa.com\/blog\/im-housebroke-should-i-approach-my\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"I&#039;m house broke! Should I approach my lender and ask to get out of a mortgage? | Zoocasa Blog\" \/>\n<meta property=\"og:description\" content=\"Zoocasa Ask Pros Question of the Week &quot;I&#039;m &#039;house-broke&#039;! 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