What we offer is not a handout, but rather a way to help families meet their obligations, repair their credit and build stable lives and communities. We work with borrowers who run into trouble because a family member becomes ill, loses a job, or takes out a loan without fully understanding its terms. These are responsible people who deserve another chance. Nearly all of them pay their new renegotiated mortgages on time and in full. And, along the way, we have built a network of investors who put their money to work, earning market interest rates while also making a positive contribution to urban communities like Baltimore.