When Karla called us on the phone we were a bit shocked of the predatory loan she was in. It was a Neg-Am loan with an incredibly high interest rate of 7.85% with a monthly payment of $3106. When we sat down with her our main solution was to modify her Neg-Am loan to a conventional fixed rate loan. Well we were able to succeed in this as Karla just received a loan modification from Wells Fargo. She now has a 25 year fixed rate at 3.975% with a monthly payment of $2,462. She is saving $644 a month!