Meet Harry. Harry is a professional visual artist in business for himself, and for many years he has owned his home for quite some time as well. Harry did not buy above his means. His area has a high cost of living but Harry had a thriving business, in fact he has even done freelance work for many big corporations when the economy was doing better and more money was in their budgets. When the mortgage meltdown began Harry did not even think it would affect him, but it really did.