For the last 10 years we have worked in the mortgage business steering clear of all the sub-prime junk loans that most mortgage companies were doing. We decided a couple of years ago to focus on helping to clean up the mess. The one thing we couldn't understand was homeowners paying thousands of dollars for something they could do themselves with just a little guidance. Our do it yourself home loan modification product makes it possible for nearly all homeowners to change their terms and rates and get a fresh start with a new mortgage. If you don't have the time or just want somebody to do it for you then we also offer those services too.