Have You looked into the HARP refi program? Those who owe less than $300,000 on their home can use the President’s once in a lifetime mortgage relief program. The program is totally free and doesn't add any cost to your refi. Will you take advantage before it expires in September 2017?
A Simple Way to Teach Classroom Procedures and Expectations
A better way to teach classroom procedures and expectations on the first day of school.