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Hi! Am I late?

No, you're right on time.

Great.

Have a seat.

Thank you.

Alright.

So, um...

Let's see, I got your paperwork here.

Mm-hmm.

Let's see, alright, let's see.

Okay, so you're looking for a loan remodification, right?

Correct.

Alright, um...

And your ARM's about to run up and you're afraid of the interest rates?

Yes, that's correct.

I don't blame you.

They got a lot of people.

Um, I think we'll be able to drop this a few points.

So, that would be good.

That would be good.

Mm-hmm.

And we'll get your loan remodification down.

I think we might even be able to drop you a second.

Really?

So that would be really good.

Wow!

And you won't have to pay for that.

That would be great.

Well, with the market the way it is, we'd be able to bend a lot of stuff right now.

So, I think you're...

It's actually...

It's a bad time, but it's also a good time for loan remodifications.

Yeah, that would be great.

...