Originally posted by @Marco Calderon:That is something my attorney and title company would pick up in their searches right  Sometimes there is an unrecorded non-interest bearing 2nd lien from a loan modification.

Was looking online at Commercial Releif a company that provide depreciation acceleration and loan modification services.

Lenders often do BPO for other reasons prior to foreclosure or even when reviewing for a modification.

The third I believe is loan modification.

It is sad but it seems that these people had no idea what they were really agreeing to when they signed the modification.

My first article "Google Analytics for Loan Modification Websites" is a approved one http://www.biggerpockets.com/articles/954-google-analytics-for-loan-modification-websites while the recent one which i wrote next "Designing Google Adwords Campaign for Loan Modification Websites" is unapproved.

I am also a manager of people and have studied a variety of ways to deal with people in conflict, behaviour modification, and expressing difficult ideas clearly without creating conflict.Should any of these things be of need to you, feel free to reach out and I'll do me best t lend a hand. 

That's a pretty low interest rate to refi.You would first need to determine what kind of mortgage you have (RMBS,Fannie,Freddie,etc.) and then call your servicer you make payments to on the phone to discuss options.If you are fixed at 5.25% then most likely the servicer would not do a loan modification lowering the rate if your payment were on time.If you have an adjustable rate loan that could explode upwards they might do something.Even if you can REFI the question is does it make sense to do so??

The house is unique and with the modification done ( interior) to it makes it stand out from other houses in the area.  

Relisting with Different Specs: The property being relisted as a 4br-2b could indicate a discrepancy in the listing or recent modifications.