Homeowners Stuck (Cont'd)

By Noelle Knox, USA TODAY
Tucker helped them buy their first home near Denver two years ago with an ARM that covered 100 percent of the $195,000 purchase price. The young couple, with two children, made their payments on time until December, when Pervez traded in his car for a new one. That month, they were late on their mortgage. The timing couldn't have been worse. They needed to refinance their mortgage before