Loan Modification

We have a lot to worry about these days. We?re worried that we may lose our jobs, that we may lose our healthcare insurance and that we won?t have sufficient retirement savings. We realize that without jobs we can?t make our mortgage payments; we know that our homes have dropped in value resulting in little or no equity, so we can?t afford to stay in or sell our homes.

In California there is one lucky group that doesn?t have those worries: state and local government retirees.