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clipped from www.wlox.com

CALABASAS, Calif. (AP) - The nation's largest mortgage lender will begin offering refinancing or modifications on $16 billion in loans whose interest rate is set to adjust by the end of 2008.

Countrywide's president and CEO David Sambol says "unprecedented times call for unprecedented remedies." He says Countrywide is determined to help people who "need a little help" to remain in their homes.

The lender will refinance about $10 billion in loans and modify another four billion for people who are current on their payments.

It also plans to contact borrowers of some more than two billion dollars who are late on their loans and having trouble paying because of a recent rate reset.

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