“I was at risk of losing my home due to financial hardships and unable to make my mortgage payment, that was, until I was referred to ESOP through a co-worker.  ESOP was successful in securing a mortgage modification from my lender Litton Loan Servicing. ESOP worked with my lender to reduce my interest rate from 11% to 7% and bring me current on my mortgage. Today, I remain happily in my home and am current on my mortgage payments thanks to ESOP!”

—Audrey Fellows, Cleveland Resident

"Due to a family illness and the purchase of a "lemon" vehicle, I found myself unable to make my house payments on time.  Late fees began to accumulate and I thought there was no solution to my problem.  I was referred to ESOP from the Governor's website and was ecstatic to find ESOP's intervention with my lender, USBank reduced my interest rate from 8.75% to 6.5% fixed.  My loan modification also allowed me a two month deferral in my monthly payments and US Bank even placed my back taxes on the back of my loan.  I would have never been able to do this on my own without the help of ESOP.  ESOP has been a Blessing in my life and I am so glad I contacted them."

- Peggy Muraco, Brecksville Resident

"My husband and I were in foreclosure and worried to death about losing our home.  Our city council referred us to ESOP.  ESOP negotiated with our mortgage lender, Countrywide to work out a plan that cut our interest rate in half and lowered our monthly mortgage payment. We'd like to thank ESOP for helping us save our home and tell anyone who's is in the process of losing their home or facing foreclosure to GET TO ESOP TODAY!"

- Renee Hudson, Warrensville Heights Resident