The Hope Now Alliance, pushed down our throats as saviors to foreclosure victims by President Bush, is nothing more than a mortgage industry propagandist making sure we all know the big mortgage players are not at fault and doing all they can to help.

NACA, the Neighborhood Assistance Corporation of American is doing the seemingly impossible: getting lenders to accept loan modifications on defaulted mortgages. Foreclosure victims rarely get the attention of their lender before it’s too late.

However, with NACA representatives in their corner working out a payment the borrower can make and then communicating that to the lender was the missing piece of the puzzle…or so everyone hopes.