" Tentane Mutual’s policy was not to consider any loan modification unless the borrower was delinquent in their payments.  I told Mr. Marsh at the time that it may be easier for him to qualify for a loan modification than a refinance, because the qualification criteria was relaxed.  But it was his decision.”      “But you didn’t tell Mr. Marsh at that time that falling "

― Kenneth Eade , Predatory Kill (Brent Marks Legal Thriller Series #2)