ORCUTT, Calif. – We have to go back 15 years to the housing crisis, when many people owed more for their home than it was worth. It was called being "upside down," and foreclosures skyrocketed. So, the government stepped in and offered loan modifications allowing troubled homeowners to refinance their first and second mortgages into one manageable loan. It seemed to work, but as one Orcutt family found out, one of their old loans has risen from the dead. The morning of June 21, 2023, Jose Arzate heard a knock at the door. His life was about to turn upside down. Santa Barbara County Sheriff’s Deputies were there to evict them. But, the Arzate’s were not renters, they had owned the h
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