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Open Question: bought house for 240K, own 160K in loan, current house price is around 90K. What are our options? | Mortgage Refinance

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We live in the house and want to stay there. It’s in good school district and we like it. But what can we do like refinance or loan modification? Since we have paid off lot of amount on mortgage we will only like to modify terms/loan if it’s substantially going to reduce our monthly payment. And in near future we are planning to buy investment property so don’t want loan modification to affect our credit score or be obstacle in getting second loan.

Thank you

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