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Mike: Start with the first mortgage on the property that you live in. And honestly you'll find that the rest of the modifications are a piece of cake because you'll have already got everything prepared. You know what the hot buttons are. You move from one, they're just getting incredibly easy. So make your first one the one that the lender is most compensated to help you with and that is the first mortgage on your primary residence. And boy, if it's a NEGAM, you're at the center of the bullseye. You're going to get a great modification.
Ryan: Now the problem there is her monthly payment is going to go up.
