Howard faced an unthinkable situation: his Annapolis home was unknowingly in foreclosure! A year before, he helped a dear friend in hard times by offering his home as collateral for a loan the friend, who then failed to pay. Howard urgently sought a solution, but the situation was too complex for every other lender he approached: Howard's home was collateral for his friend's loan; however, he was not on the loan himself creating a complex legal knot. Moxie guided Howard through a complex process that included working with the hard money lender to get his property out of foreclosure and providing him a NonQM cashout refinance to pay off the debt. Because Howard refused to give up, he successfully saved his home and protected his financial future.