This website is to provide relevant information about foreclosure prevention programs and keep the average consumer up to date with current news and information that may be able to assist them in refinancing or otherwise helping them to keep their home.

The mortgage industry has been hit very hard in the past year mostly due to unfair lending with very risky products that tease bad credit borrowers with a low payment that is fixed for two years and then adjusts monthly forcing you to either refinance or foreclose if you have been unable to improve your credit after taking out the mortgage.

Even further risky loans where given to people with lower credit called Neg Am or negative amortization loans which offered a minimum payment based on 1%. However if you only made the 1% payment option your mortgage would grow and increase in size every month until a cap was reached at that point you would have to make up the difference no longer at the low 1% rate.

We hope to educate the public on these programs which were designed to help you rather then hurt and perhaps offer you a way out of your current mortgage. Feel free to visit the Forum and post any questions you may have on these programs.