San Diego, California
Working in the housing market during the 2008 crash, Dave W. saw a significant slowdown in his employment, forcing him to take on business loans and credit card debt to fund life.
When he lost a sizeable monthly income, Gerry M. was looking for ways to pay down his credit card debt. But with high debt-to-credit and debt-to-income ratios, he didn’t qualify for a HELOC.
Los Altos, California
With a child headed to college and a family business he wanted to invest in, John M. wanted a way to tap into his home’s equity without taking on additional debt.
As new parents running a seasonal business, California homeowners Samantha and Edward were looking into traditional loans to offset slower months.
Saddled with thousands of dollars in unexpected medical bills and credit card debt, Susan W. wasn't having a great start to retirement.
Monroe, North Carolina
During the 2008 recession, Butch and his wife were hit hard. Once they were out of work for over a year, the couple started using credit cards to fund day-to-day necessities, such as groceries, electricity, and other bills. However, they knew it wasn’t a sustainable financial strategy.