I purchased my home in 1995. I've had it refinanced once since then however, I've never been late on a mortgage payment until 2009 when the economy took a dive. I had previously retired from a 23 year job before going into business for myself. In 2009, I not only lost contract, s vendors were either unable to pay me timely and some didn't pay me at all. I was ultimately forced to go out of business. After months of unsuccessfully seeking to find viable employment in a 50 mile radius of where I resided, I took a job offer in... read full review »