How to refinance an underwater mortgage<br>Check your payment history. You must be current on your mortgage, and not have been delinquent on any payments in the last 12 months. Find out who owns your mortgage.

Choose your answer: based on the paragraph above can we conclude that "It is not possible to have a mortgage."?

pick from the following. [I] Yes; [II] It's impossible to say; [III] No;
I think the answer is