Derrick contacted Kim in June 2011. He was transfered out of San Diego area and had been renting his townhouse for several years. The rent did not fully cover the monthly mortgage payment and he was paying over $900 to cover the cost. Derrick wanted to save his credit so he used the Homeowner’s Assistance Program(HAP) for people in the military. Within 14 days a good offer was negotiated and the Horizon Real Estate team began the process of helping Derrick. He is now free of the financial responsibility for the property and retains his good credit.