“I’ll try my best to pay my ...Lee, a high school aide, doesn’t have enough equity to refinance, he now needs a loan modification or a miracle. In Central Valley, the Ruins of the Housing BustGadsden Times (subscription), AL -Aug 24, 2008Since Mr. For months now, you have been looking at houses and home brochures and you have finally found it - the house that's just right. So now, you're feeling anxious to buy your new home, move in, and get settled. But this is not where your search ends. You still have one more important task to do and that is getting a home mortgage.