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Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. The counselor will negotiate with lenders on your behalf for the lower rate which, in turn, will reduce your monthly payments as well as keep your credit rating intact. The following Table of Contents for this Prospectus Supplement and the Table of Contents in the Prospectus provide page references for the captions. Figure 1 shows the monthly payment over the 30 year term. People often ask about "hard money loans" and the truth is they should be called hard money loans because it would be hard to imagine paying the rates and fees associated with them.
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