The Martin Family has owned their home since 2003. A dishonest mortgage broker convinced them he could provide a fixed rate mortgage at 1.5%. In reality, their new mortgage was an “adjustable negative amortization loan,” a type of loan now barred by HUD. The family’s rate increased dramatically after only two weeks and a stiff prepayment penalty made refinancing out of the question. Legal aid helped the Martins save their home from foreclosure. They now have a sustainable mortgage and a stable home for their family.