Lumbar and Lumbosacral arthritis affects the lower back and pelvic girdle, causing pain, inflammation, and the loss of motion in these areas.

The word ‘arthritis, which literally means ‘inflammation of the joint, is used to describe a group of distinct diseases. These conditions all have in common symptoms of pain, swelling, and stiffness of the joints and the tissues surrounding them.
Back pain is very common. How many times have you lifted something that was too heavy and felt the effects for days? Back pain is one of the leading causes of disability and loss of work in the United States. Arthritis is one possible cause of back pain.

As the current economic crisis continues, many homeowners are struggling with the decision of whether to modify their existing home loan or refinance their property. Both are options that can reduce your monthly payment and help you save money; however, there are great differences between them. A loan modification will change the terms of your existing mortgage. Often payments are reduced, or the loan term is extended offering temporary relief to the homeowner. With a refinance, you are creating in essence a new mortgage. In order to determine which one suits you, several factors need to be examined.

When refinancing, most lenders will require a new appraisal to determine the current value of your home. When applying for a mortgage modification the requirement of a new appraisal is up to the lender's discretion. Lately, most of the major lenders are requiring one. When refinancing there is often closing costs which you will pay or if you have enough equity, have the option of adding them to your new loan amount. Most lenders will also require a new title insurance policy for their protection if you are refinancing.