I have spoken to so many people that are in sincere danger of losing their home here in Lackawanna County.  Scranton homeowners have come to me for help.  The interest rates on their Adjustable Rate Mortgage (ARM) has increased to a point where their payments have become laughable.  With our increasing daily debt obligations, how can we pay these higher mortgage payments?  Many in our area have lost their homes to foreclosure.

So, what can you do?  Check your note!  Look at the details of your mortgage note.  Many people don't even realize what type of loan they got into a few years ago.  They were never even told.  You can blame your broker, or you could blame the economy, or you could blame the person on the phone at the mortgage company that had you on hold forever.  Just point a finger and move forward, because we've got work to do. 

Hang up the phone and put down the latest doom and gloom article in the paper.  Call me immediately and we'll work up a Loan Proposal for a 30-year fixed rate mortgage.  A safe bet.

Too many people have contacted me too late.  They can't afford their mortgage payment so they haven't paid for months.  Now I have very limited options for them.  Had they called when they first learned about their increasing payment, I could have handed them the world!  A 30-year fixed rate mortgage with a low interest rate and low payments could have been theirs for the taking, if they had just called.

Please don't become another statistic in the new ARM's race.  Don't lose your home needlessly if you can stop it.  I just hate to see bad things happen to good people, especially when there was something that could be done.  I will work with you to find a solution.  I can't help everyone, but I will work tirelessly and exhaust all possible options for you until I've brought you to a successful conclusion.