Start a new Relationship.

NewAlliance. Branches throughout Connecticut and Massachusetts. Relationship CDs (gotta open a checking account with them first) come in at a 3.25% APY for 24 months, minimum $1000.
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There's a new program available to all homeowners that will actually lower mortgage payment(s) with a current lender, or possibly forgive some of its principle. This process is called Home Loan Modification/Renegotiation. It's actually pretty easy.