Called them to explain how my job lowered my hours. So I am not making the money I used to get. So I asked for help. They turned me down flat. Novastar called 10 times a day and even had a person show up at our door. Saxon said we don't do deferments and told me to get a second job. I still have kids living with me a FAMILY. I can't help the situation at all. What I can't believe is how mortgage companies don't have a heart and be more understanding. Especially since I did call them and explain the problem.