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Homeowners million have been helped by private lenders, who in many cases have used a similar framework to the one created by this program. Our program has created norms like requiring a point of contact for the homeowner, leading unemployed homeowners delay their mortgage payment for at least six months. This kind of collective action has transformed the way the mortgage industry assists struggling homeowners, spurred new tools to aid communities, and helped reverse the worst housing downturn since the great depression. This has been one component of the administrations effort to kill the housing market. We have taken other steps, improve the to housing market. We have taken other steps, including making it easier to refinance mortgages. Than 3s helped more Million People refinance homes. Even as we focus on refinancing, we have made strides to give communities a boost by establishing the hardest hit fun. In april, i traveled to ....
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