I live in WA state and I’m trying to find a local company that can help me lower my mortgage payment?

I I just bought a home 2 year ago, and I was told to get and adjustable rate because it was the lowest rate. Now that I’m trying to refinance, most bank are telling me that they can’t refinance me because my house is not worth. I have been seeing in the new and on TV about loan modification, but I would like to meet someone in person and I would like to work with a local company. Does anyone know of a company that is local where I can deal with a real person?

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