A special Nightly News/msnbc.com report dated on May 9, 2011 on the mortgage mess titled "No end in sight to foreclosure quagmire" check out the report yourself here at: http://www.msnbc.msn.com/id/42881365/ns/business-personal_finance It describes the problems home owners have had by using the governments "Making Home Affordable Program" it still has not helped thousands of home owners. Some home owners have even still had their homes foreclosed on when they thought everything was working.
Dave Ramsey said it best that only 7% qualify for the Home Modification Program and he said it is a stupid government program. Check his video out on Fox News: http://video.foxnews.com/v/4664678/facing-foreclosure-dave-ramsey-can-help
If you are over age 62 I have the only true mortgage program for seniors to help save your home from foreclosure. Check out this website: http://reversemortgagefhaprogram.com to learn more about Reverse Mortgages and information from AARP and HUD. Then check my website out at: http://www.lender411.com/id/rcco7782