I'm a former loan officer fed up with the unscrupulous greed of the American banking industry. I've given up the mortgage game to pursue other interests. The purpose of this blog is to help readers facing an ARM adjustment to keep their homes and get a fixed rate. I am not a financial professional and you follow any advice given in this blog at your own risk. However, I follow mortgage industry news and subprime programs available at a number of banks. Please feel free to post a comment and describe your situation and I will do my best to find a solution for you.