Hi,
I used “Credit Solution” to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It’s legitimate.I came across this company on NBC News Special Edition.Check it out here:

Dan, I suggest going to a government approved Housing Counseling service. HUD has a list. They might be able to help you get this paid off more quickly. I believe there is a monthly fee.

To my knowledge, there are no over 100 percent loans currently available. In areas where home values are declining conventional loans are for a maximum 95 percent loan to value.

Hopefully this will change. At one time 125 percent programs were available.

No bank will touch you with that kind of debt load. You owe a couple thousand a month in interest alone. You are looking for financing at **200%** of home value. You’re crazy. Your credit doesn’t appear to be shot, it IS shot.

There is no “advice service” that can help you other than bancruptcy or moving into someone’s basement for a couple years while you pay down that debt and get your good credit back.

There are no such mortgage programs. These days, your mortgage value is limited to the amount of value of the property which you wish to purchase. In other words, if you buy a $150K house, that’s the level of mortgage you will be able to achieve. They won’t give you more than the amount for which the property appraises.