In today"s tighten lending environment many people believe that their hopes and dreams of home ownership must be deferred or forgotten. It seems as if the doors to obtaining mortgage financing have been locked shut. But with the right keys you can open any door, that"s why You Can Achieve The American Dream...With the Right Keys is a must read for anyone wanting to purchase a home, become a real estate investor, refinance their current home or modify the terms of their mortgage to avoid foreclosure or to simply lower their monthly mortgage payment. Are you one of the millions of people who have put your dream of buying a home on hold due to the belief that mortgage lenders are not approving anyone, unless they have a 700 plus credit score? Do you need to refinance your home to a lower interest rate or before your adjustable rate mortgage increases, but you feel that the value of your home may have decreased? Or is your family one of the millions of families that are struggling to pay their mortgage or ever several months behind on your mortgage, and you"re wondering what can you do to avoid foreclosure and save your home? Wonder and search no more, the keys to getting your mortgage company to say yes, are in your hands. Over the past 20 years James Rivers has assisted in making the dreams of thousands of families a reality. His clients range from families on fixed incomes who needed a mortgage to purchase a $40,000 home to professional athletes and entertainers in need of financing to purchase multi-million dollar homes. James often recounts assisting one of his first families with buying their very first home. It was the home that the family had driven by and dreamed of one day owning. Their dream came true. Although, the economic climate and the mortgage industry has changed over the years, James Rivers" passion for helping people obtain the mortgage financing that best fits their needs has not. In his book You Can Achieve The American Dream...With The Right Keys he shares his wealth of knowledge and insight in a very straight forward and honest approach. His book provides a clear step-by-step road map to anyone wanting to purchase a home, become a real estate investor, refinance their current home, or modify the terms of their mortgage to avoid foreclosure or to simply reduce their monthly mortgage payment. To find out more visit his website www.Achieve-The-American-Dream.com