bad credit. so step one. she's got to improve her credit. because without great credit scores, it doesn't matter. anything else doesn't matter. but in today's environment where more people are upside down on their mortgages than anywhere else, there are some programs that can help her. the harp program under the president obama is making homes affordable, designed for people who have high ltv loans, meaning they owe either as much or more than the home is worth. be aware, these have credit down sides, so if you're able to refinance naturally, meaning by going to another lender, putting 20% down and refinancing, that's generally the best way of doing it. but you've got to have good credit. >> that's right. do you have a question? accepted us an e-mail any time at the cnn help desk at cnn.com impressive resume. thank you.