We bought “Our Dream home” in 2006 as well as selling our two smaller homes. With the equity of our two homes, we were able to refinance our new home in late 2006. Sadly to say we saw how the value of our house was crumbling down. We witnessed 50% of our neighbor walking away from their homes due to bad loans and could not refinance their loans. Since we had sold our smaller homes, my husband and I were not about to walk away. This was it, “Our Dream Home”. Months later, we started calling our bank to start our modification process. After months of headaches, frustration and wasted time we wanted to give up. After some time, our nephew recommended “Loan Modification Key” to us since it had worked for several other family members. End of story, we saved our “dream home” with a 2% interest rate. We live by faith in God, guaranteed to always work. Thank you so much!