To the friends and colleagues I have made during my 14 months at Bank Of America Home Mortgage, I say goodbye.  It has been a dynamic and challenging time for me, and I have learned more about home loan modifications than I had ever dreamed (yet that only scratches the snow on the surface of the iceberg).

There are many smart, skilled, and talented people in the business and technology groups I worked in and with.  It is my pleasure to have had the opportunity to get to work and learn with you.  I wish you all the very best!

Sincerely,

Stephen