So many people are losing their homes due to the mortgage...meltdown. I discovered a wonderful group. NACA.com They came to many major cities and are helping people lower the mortgage rates to keep them in their home. They were Boston Based in the beginning...and may still be. They are affiliated with www.CMACaudits.com = They evaluate your whole loan package and search for any errors, fraud and are finding 85% are with problems. (its called a Forensic Audit).thus positioning the homeowner to have leverage arm bending the bank to listen up and do something .....family by family,,,,home by home. If you had multiple homes they could not help you. This is for one home owned by a family with a loan or a balloon or problem paying. If you had another home but with a family member living in it (that seemed to be an exception) I am trying to say a lot in a little time. NACA had a small article in the LA times on a Thursday to come to the convention center. It was for 5 days. Droves of people filled the rooms. It looked like Disneyland. They herded us into huge rooms and had people on megaphones tell us to start here. go there fill in this...and eventually get a number...and get to meet with a person (if they didn't bring their loan papers- not just the bank statement- they had to go home and get them. they met with people in another room one family with one helper trained person....then they got to go to sit in sections labeled...CHASE, Citi,WAMU, whatever...A representative of that company would meet with you. CAN you BELIEVE IT! They would bring someone to the microphone and announce every loan reworked to tell the results. People were going from 7% to 3%. Please pass this legitimate information on. They do not charge...anything.