For the last two years we have tried several programs to lower our mortgage to what they told us it would be when we bought the house. At first with no children and both us working we could afford the mortgage, but add two kids and me only working part-time from home, and it was a lot tighter. We were denied the first round after months of resubmitting paperwork. Then in march we heard of a new program so we applied. After several attempts at closing we finally got a solid date this week. An hour before closing we got the call that we needed additional funds to close, which we did not have. We didn't feel a peace about the situation. We didn't feel right about taking funds from josh's schooling to pay the closing fee. We were extremely frustrated and angry. So, instead of being pressured we went to a friend in real estate to talk about other options. She called to check out the situation and 5 minutes after we would have signed the paperwork, the lenders had a new hud that had just arrived where they gave us money instead of us coming up with additional funds. Our friend came with us to our closing half hour late and verified the figures and walked us through the signing which allowed for a lot more peace! It turned out the lender was a christian agency and we chatted with her about church and ministry, also meeting her son who was also working on his Masters in Counseling. The man that had set up the old paperwork, never showed, but having our friend there made us confident of the new paperwork. I feel that God really blessed us because we did not allow ourselves to be pressured into signing or be rushed into a decision. Now our mortgage is at a lower fixed rate, it is now about what they told us it would be when we signed for the house 5 years ago and we have a month reprieve from our payments. We are so grateful that God walks before us, especially as we prepare for Josh to move into full time ministry/counseling this fall.