Doing some research, I came to the realization it will not help out the majority of the homeowners. It will help people in places where the real estate market has dipped less than 5-10%. Where in America is that? It helps out people with subprime loans that really bought homes they could not afford. (Those people who cannot make the payments anyway. They will default even after they modify their loans. ) It will not help out people who can continue to make payments on their underwater mortgages. The homeowners with good income and good credit are shut out. So where is all the money going? To the banks!

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