First if you are even reading this...THANK YOU VERY MUCH!! I just want to help my mate, my best friend & simply one of the nicest guys you could ever have as a friend in life, save his house. He has been trying to refi with none other than CHASE bank for a year and a half to no avail. They send him the same paperwork over and over saying they need this or that from him and he continually sends it to them and still, they jack him around? He is a true Frenchmen who came here like any other man to AMERICA? with hopes and dreams and got and had them til everything bank wise went to total crap here in the states. Not his fault but not being able to refi has truly put him in such a pinch and yet standing here in America on the edge, he still believes that America is the place he would buy his home and properties in. He's even now resorted to selling off his property in Buffalo NY for LESS than he bought it for and LESS than its worth today. He has never known to this writer said a nasty thing about America and just hopes it all gets better. And to boot, he gives to the charity KIVA.org without even so much as a care. I know there are tons upon tons of folks out there just like 'BJ' but I thought I would ask nonetheless. Whatever you donate is a true blessing and if you just tell others about him, that too is a blessing. Thanx & bless for taking the time to read this!