The combination of a weakening economy, the collapse of the subprime sector of the mortgage industry, home values depreciating more than they have in over 20 years, and record foreclosures, has left many homeowners in a situation where they can no longer afford their mortgage payments. Unfortunately, many home owners are unable to qualify for a traditional refinance due to their credit history or a lack of equity (including owing even more than their house is worth).

We identify with life's challenges; we understand how it feels to choose between making a mortgage payment or buying groceries. We understand what it's like to have continual phone calls from your lender ... calls at home, calls at work and letters in the mailbox.

You need to save your home but your lender is asking for too much money or won't fairly negotiate with you. You're not asking for them to forgive the loan but you need help creating a payment plan that you can handle. You just need someone on your side to negotiate with your lender to get you back on track.

We have caring people who want to help you save your home and get you back to where you need to be. We want to help you get back in charge of your finances.