My wife and I tried to re-negotiate our loan with B of A for about 1 year. We supplied them with all of the information they wanted 4 times with no help in sight!!!!A good friend of mine referred me to Prudent. I was very sceptical at first. After working with Nate for almost 6 months, he was able to get our loan re-done. Almost 2 years behind in payments!!! He is one of the most professional people I have ever dealt with. We talked a few times a week as we went through this process. He consistently keep me up to date, letting me know that I was in good hands. I would refer this company to EVERYBODY in trouble with their mortgage. Don’t let the banks HAVE YOUR house! Be patient, its worth keeping your home for you and your family!!!