Iam very excited of an organization that I just found out about, NACA (Neighborhood Assisstance Corporation of America). It has been able to help thousands of people save their home. My brother was able to reduce his payment by $1,000 and a coworker of my husband's was helped as well. The organization has been featured on ABC News, Wall Street Journal and many other news organizations. For more info. check out www.NACA.com. I think we definitely have to ask our congressmen and respresentatives to bring this to Riverside. If there is an area that can be tremendously helped with this plan it is Riverside County. Unfortunately, my family doesn't qualify since we own another property but I'm sure many of you out there will. Good Luck!