Behind on their mortgage payments
# Upside down on their mortgage with no equity
# Facing a real estate challenge such as a short sale or loan modification
Who are we targeting?
# 70 plus million homeowners who are upside down on their mortgage and/or are behind on their mortgage payments
# 17 million homeowners who are not making their mortgage payments, and may lose their home in the next 4 years because they cannot afford their current mortgage payment (Goldman Sachs 2010)