It depends on your mortgage company, some just put the fees on the end of your mortgage, you still pay them but just not upfront. Ask about a loan modification, again any fees can be added to the end, it usually includes lowering you interest rate. We were able to go from 6.9 to 4.25, made our payments a lot lower but the 10+ years we paid in are gone and it starts it at a 30 year mortage again. It was our only option , my husband lose hours at work and we were falling behind, it was that or lose our home. Now things are picking up, he getting his hours again and the payment is about $400 less then what it use to be, so what we are saving we pay extra when we can so that it's not going to take us 30 years to pay off.