At the time having your rate locked for 3-5 years seemed like a good plan.  It seemed so far away and you wanted to qualify for that bigger home.   Understandable, values were climbing so fast with no end in sight.  Why not, your kids could have their own rooms and a bigger yard.  The American dream realized.  Now we come to 2009 and values in some areas have plummeted and we really are not at the bottom quite yet.   What do you do about that payment adjustment now that your 5 year lock is over and your payment went up by 30% and you are now 60 days behind.  You modify your current mortgage.  Take action now.  I can help you.  We are an attorney backed service that renegotiates the terms of your loan.  In most cases we can get you a lower rate than your initial rate.  We are seeing rates as low as 3.5%. That is a 30 year fixed rate amortized payment.   Imagine what that could do for your bottom line.

If you or anyone you know is in trouble with their mortgage,  please give me the opportunity to show them their options.

Orville McCallister

Consultant,  Diamond Consulting Group

951-970-8025

www.orvillemccallister.com