Given the task definition and input, reply with output. In this task, you will be presented with a passage and have to answer a question based on your understanding of the events inferred from the passage. Try to find the best answer that is most likely to fill in "_". Note that the URLs in the text have been replaced with [Link].

FAIRBURN, Georgia (CNN) -- In a south Atlanta neighborhood lined with palatial homes and manicured lots, the Hicks family was living out its American dream. Breylan and Terese Hicks play with their sons Bryce, 3, and Jordan, 2. But like many Americans, that dream was interrupted when they almost lost their home to foreclosure. Terese, a firefighter, and her husband Breylan, a police sergeant, had always dreamed about owning a spacious house in the suburbs. When they began their search, the young family was living in a south Atlanta neighborhood. They grew concerned and decided to move when crime in the area started to pick up.The Hicks family purchased a "dream home" just south of Atlanta, GeorgiaThe couple struggled to pay the interest-only mortgage after it adjustedThey suffered a series of financial blows from health issues to loss of incomeHomeFree-USA consulted with their lender to avoid foreclosure 
 Question:_ figured they could always refinance before the interest rates were adjusted.

Hicks