Patricia Tracey worked with me over a difficult period of time in my life. I had been sold on a negative amortization loan and, when the market fell, my loan amount continued to grow. I was in shock when I really understood the loan and saw what happened to my mortgage. My mortgage had been offered through Lehman Brothers. It was predatory lending at its worst. Ms. Tracey worked with me for nearly 12 months and not only was I able to save my home but I was able to get a large principal reduction of over $300,000. I am a citizen but did not grow up in the United States. I did not understand all of the financing. Now I am much clearer and thank R.E.A.C.H. and Ms. Tracey for all the help I received as well as the $300,000 reduction

Thank you