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Let's clear up a misperception. As we encourage troubled homeowners to "avoid foreclosure," we are not assuming that everyone will be able to keep their home. Some people got in far too deep and bought homes far beyond what a person in their income bracket could really afford. When ARMs adjusted or property values plummeted, these people and many others whose homes were more modest find themselves in need of a solution far bigger than anything out there to keep them in their homes. Some borrowers lost their jobs or second income, got divorced, got sick, or ran into other problems.
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