My interest rate is 14.75%. I listen to my loan officer and got an adjustable rate mortgage. I tried to call her to refinance but she said my property did not appraise and my credit score was bad. After several months I gave up. I received a letter from houston preforeclosure that said we buy 100% finance loans and I called right away. They negociated with the bank and the bank took a little discount but I was able to sell and avoid foreclosure.

Maria Dolores