What is loan modification and how much does it cost compared to a refinance?

Is it easier to modify a loan if you don’t fit the underwriting guidelines for an FHA refinance?
Not in foreclosure; just have a high-interest rate ARM and too high of a DTI.
Thanks for your input.

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refinancing?

once again i am looking at refinancing. whats the best way to find out who is honest in financing and not ripping you off with a high interest rate., my credit is so so but not bad. i am going through a divorce and have gotten stuck with all major debts. help. what is the best rate for someone half way decent with thier credit?

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