This client was upside down on their house by 30,000. They attempted to Refi with the original broker, however with no equity in their home, the banks will not take that risk. With a 10.10% Adjustable rate mortgage the client has to do something or else the mortgage payment is completely unaffordable, leading them down foreclosure lane.

This client temporarily lost her job which dramatically reduced the income out of the household. Upon receiving a new job, the bank put her in a STEP Adjustable which started at 5.75% and went up as the years went on to a fixed rate(see below). The temporary decrease in rate made a huge difference in the monthly payment.

This client lost his job as an assistant bank manager. The client submitted our Loan Modification Package, to the bank and received a modification in less then 30 days. He was able to reduce his interest rate and put all his escrows into the loan. This saved him $500 a month. This is exactly what the client needed to stay afloat and keep his home.