Windermere St. in Littleton. Article Last Updated:12/22/2007 12:23:24 PM MST I found Lawrence Garza crying in the kitchen of his empty home at 5560 S. Garza 61 said his cousin's husband the broker had put him into an adjustable-rate mortgage in 2004. While shopping around for a lender, ask each for a list of charges and costs you must pay at closing.