order to get approval for social help. For those who had bad credit mortgage refinance Council there what a little hope to get that help. A must that what, 12 months before applying, the mortgage paying to be on time, only a 30 days late period what permitted. Only persons who could demonstrate that they had good credit behavior in the past were accepted into the program. Whenever Jim Rogers listens, a sympathetic response will follow. The homeowner should do anything that depends on him to convince the lender that he is capable of paying on time from now on for as long as the loan term spread. The hardship letter who must accompany the applying form should have been very explicit in this direction. Flood what, together with crisis-the reason why the values of the American houses decreased. While flood physically harmed the houses, thus the decreasing value had granted reasons, crisis brought decreasing from the psychological and market reasons sphere. Vanguard usually is spot on. But the harm what comparatively to the one produced by flood.