I bought a home through Rick in 2005, even though he advised me on a fixed rate I opted for the ARM. 4 months ago I got laid off, my ARM adjusted, and I got behind. I had no idea what I was going to do, I thought for sure that I was going to loose my house. Even though I was unable to refinance, Rick spent the time and got me in touch with an Attorney who worked on a mortgage modification for me. I was able to get my intial rate locked in for another 27 years and the bank lowered my principle balance by over 15 thousand dollars. I did not even know I had that option available.