JACKSONVILLE, Fla. -- Life is good for John and Sharon Fisher, but they would be first to tell you that it would be better if they had a break on their mortgage.
"We have a very high interest rate," said Fisher, "but we've never missed a payment, we've never been late."
The Fishers are retired, on a fixed income, and they say sometimes the $1,200 a month payment becomes a struggle.
"We love our home," said Fisher, "We can't sell it and we don't want to sell it."
They can't sell because when the economy tanked, foreclosures went up and home values went down.
"We've lost almost $100,000 in the place," he said.
The Fishers are hoping the state's newest program will help; they've applied to the Florida's Principal Reduction Program.