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how do I get my mortgage payment to a lower rate with bad credit?

The mortgage market has become more difficult due to the housing slump. The answer really depends on how low your rate is currently (rates are rising these days) and how bad your credit is (it has gotten harder to refinance with bad credit in the past few months).

I am not an expert on mortgages or home loans, I really deal with unsecured debts where people have credit card bills or mediacal bills and they need professional help. So when someone has a mortgage question, I refer them to a mortgage service found here. They can get you multiple quotes to see if you qualify for a lower rate.