I fell behind on my mortgage due to forced place insurance. I got the typical run around for a year and a half and even had a sale date. Fast forward to lady month. The lender rolled all past interest, attorney fees, and several new fees into a new loan. There isn't a trial, just a complete new loan with a lower interest rate and 20k added to my loan. My question is how will this new loan effect my credit score. The year and a half run around(could afford mortgage whole time) really dinged my credit. I'm in the process if rebuilding but I am curious how this new loan will effect the old and new loans. Any input is appreciated, thanks!