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The document provides details on a homeowner's current mortgage situation and projected financial information over the next 30 years. It then shows a proposed modified mortgage situation that would lower the homeowner's monthly payments and debt-to-income ratio to a more affordable level of 25%. Key details include: - The homeowner is currently facing annual deficits of over $15,000 that will grow each year due to expenses increasing 2% annually while income remains steady. - The original 30-year, 8% mortgage of $169,000 will remain unpaid after 30 years under the current terms. - The proposed modification would reduce the principal to $135,200 at a 5.125% interest rate, lowering the monthly payment