Demetrius fell severely behind due to a loss of income. He was happy that modification helped him save his home, and also lowered his payment from $1869.60 to $1606.06, saving him $263.54 each month.


Barbara fell behind after some financial difficulties. Her payment was raised slightly from $577.68 to $604.28, but she was able to save her home from foreclosure, which she was happy about.


Christophe was originally paying $794.48. He was given the choice between 3 different terms for his modified loan, each with their own accompanying payment. His options were a 480 month term with a payment of $619.28, a 360 month term with a payment of $652.58, or a 240 month term with a payment of $724.57. Christophe was excited to have the option to choose was best for him, and more excited that no matter the choice he was saving money each month.


Alice fell behind after her income was reduced. Her payment fell from $3222.28 to $1838.44, saving her $1383.84 a month.

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