I always pray every morning before i start my day and watch joyce meyers and what a blessing she. I am having finaacial problems and lost my husband unexcpectedly in october and tryed to refinance and the guy gave me the run around and i fired him after all this time and now i am in fear of losing my home i have someone else working on refinacning it but meanwhile i have gotten befind on mortgage and he wont give us the fha/hud number to my loan and i pray that i will get a miralcle because i know god will take care if you know or have advise please email me at denpam2004@yahoo.com