If you are like many homeowners looking for a lower interest rate on your mortgage, you might be wondering which option is best for you? Should you attempt a loan modification through your lender, or refinance the mortgage loan? Usually homeowner’s who are behind on their mortgage are unable to refinance, and need to try and obtain a loan modification. If you are current on your monthly mortgage, but have a high-interest rate, refinancing might be the option for you. Which ever the case, let The Law Firm of Gaines & Associates, P.C. assist you with your mortgage needs. Located in Atlanta, Georgia, our firm has years of experience with obtaining loan modifications for homeowners or setting homeowner’s on the right path for a refinance. Contact our firm today at 678-735-5487 to speak with an attorney.