Many investors own properties encumbered with mortgages that are in need of refinancing. In utilizing its relationships in the mortgage lending industry to obtain proposals for new financing on existing properties, JLAM employs the same strategy when refinancing mortgages as it does when purchasing new properties. As agent and advisor for the owner of a property, we will negotiate with the lending institution and recommend the best course of action for the client to accomplish the refinancing. JLAM has extensive experience working with “troubled assets” and assisting clients in restructuring maturing debt. Refinancing has become particularly difficult following the recent credit crisis, making it even more necessary to have professional counseling to manage this activity.