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Increasing foreclosure rates force the dropping of the prices on homes. It is a really good time for home buyers looking for a bargain.

The federal mortgage modification program was targeted for criticism as a failed program as the procedural issues are hampering the foreclosure process nationwide, while foreclosures on defaulted mortgage loans declined.

Some signs of recovery appeared in the sphere of the housing market. Fewer US home loans are going delinquent and the rates of new problem loans are declining.

The Obama administration has blamed three major banks for the failure of the foreclosure prevention program. However, they can't be fined.

At noon on January 14th, at Mission and 16th Street, tenant and housing groups will team up with OccupySF to expose the collusion between real estate speculators and banks that threatens thousands of San Franciscans with eviction.

The moratorium for those homeowners who obtained home loans through Freddie Mac and Fannie Mae will be held from December 19 to January 2.

The delinquency rate on mortgage loans increase slightly moving the recovery of the housing market. Fewer foreclosures give reason for hope.

I suppose it is now safe to reveal that a staffer of Representative Marcy Kaptur put me on the trail of this fraud-in dollar terms it has to be the single biggest fraud in human history. In sheer utter disregard for law it is certainly the most audacious fraud in Western history.

Bank of America became a target of the Federal Reserve for the mortgage bounds being considered as the worst national offender and the state of Arisona now steps in on behalf of its homeowners. A lot of American families were led to foreclosure expecting the mortgage loan modification promised by banks.

Nation's largest banks are easing the loan terms and reduce the balances on mortgages deemed as risky. The program mostly concerns option ARM loans.

The Bank of America has made a significant step on the way to the housing market recovery. The bank agreed to settle with its 22 investors.