When Javier Moreno lost one job and had his hours cut back at another, the payments on his family’s Ventura home were suddenly out of reach. Moreno considered giving the house back to the bank, but when advertisements for loan modifications flooded the airwaves and solicitors began arriving at his door with offers to cut his payments in half, he thought he’d found a way to save it.

Attention delinquent borrowers: If you want to get into the Obama administration's mortgage modification program, you'd better have your paperwork ready.

Three workshops designed to help people facing foreclosure will take place next week in the Bay Area. The events are free and open to all, no matter which mortgage company holds an attendee's home loan.

The federal government's program for helping hard-hit homeowners avoid foreclosure could be having the unintended effect of encouraging people to make strategic defaults.

As the home foreclosure crisis continues to escalate, many homeowners are trying to save their home through a home modification loan.