I waited my whole life to buy a home. Not what I expected. Longest sinking of a ship. Countrywide Home Loans, whom I now consider a predatory lender, talked me into buying a home with an Adjustable Rate Morgtage loan. I was told by the loan expert that I could refinance even if the value dropped. Based on this false information, I agreed to the terms and purchased my first home. Now I’m paying the price: destruction of my excellent credit, a year of stress and, soon, a foreclosure. My



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