As some of you know, we own Heaven Bound Christian Bookstore & Gifts in Arab, AL. Due to the economic downturn, our business has dropped off considerably. We've applied for home modification loan with Bank of America and we were told we did not qualify due to incomplete paperwork! We've sent them everything they've asked for numerous times. My husband is disabled & confined to a wheelchair 95% of the time.. We've had our home modified for him with a ramp and enlarged doorways. We can't just go out and find a place to live that meets his needs! We don't want a hand out, we just want what's right!