By Grey Feathers
May 24, 2012 (San Diego)--Antonio and Africa have lived in this house for twelve years. It is the only home their four children have ever known. Antonio bought the house from Africa’s father in 2005. When faced with difficult financial hardship due to the crashed economy and medical bills, they went to their lender to negotiate in good faith.
Antonio works in construction and Africa has a business she runs from her home office. They were late on just one mortgage payment by 60 days, and ultimately made the payment. They learned there were government programs like the Home Affordable Modification Program (HAMP) and the Principal Reduction Alternative (PRA).