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NEW YORK - DECEMBER 12: Homeowners attend an orientation with the Neighborhood Assistance Corporation of America to help them modify their mortgages at the Jacob Javits Convention Center on December 12, 2009 in New York City. The Neighborhood Assistance Corporation of America (NACA) held a 'Save the Dream Tour' event in New York, helping lower- and middle-income borrowers modify their home loans and avoid foreclosure. Thousands of homeowners around the country have used NACA to lower their house payments and save their homes. Michael Nagle/Getty Images/AFP == FOR NEWSPAPERS, INTERNET, TELCOS & TELEVISION USE ONLY == AFP

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