I am recently married. I had a home mortgage before the marriage. Can I get a home loan modification?

The answer is yes, but you may not like the details.

Yes, you can modify the loans, and add your husband’s name to it. However, the odds of lowering your monthly mortgage payment is practically nil, since the house is worth less than your loan amount. I’m assuming “The house is worth less then I paid” means that the amount of money you owe is less than the house is worth. The term is “underwater”, meaning that the worth of the house is less that the amount of the loan.

You and (soon) your husband are responsible for the total amount of money borrowed from the bank. . . if you lower your monthly payment, it only means you will have to pay more of the payment in the future to make up for the loss.

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yes his income will count if you are in a dower state or community property state as he is now a joint owner in this home. The market will come bach so rent it out for what you can and make up the difference every month.