You first would need to contact your servicing lender and any subordinate lien holders since their participation is vital for you to refinance into a HOPE for Homeowners mortgage. It is important to remember that the HOPE for Homeowners program is voluntary and your servicing lender may offer different solutions for avoiding foreclosure.
When contacting any lender on this list, please use the contact information provided. Do not give anyone money or pay any fees until you have spoken with your existing lender and know it is participating in the HOPE for Homeowners Program.
click on the link for a list of lenders........
http://portal.hud.gov/pls/portal/doc...(11-25-08).PDF
You would need to ask on the occupancy............because if you are renting it out and live in another state........it really isn't a primary residience for you.............an approved FHA lender on the list should be able to answer that question before proceeding..............