| "Banker told him to get a job and come back. Duh! he's trying but in mean time what can they do to save there house if bank won't even talk to them." Get a job? Hah. I wonder what this banker might be doing for a living if the government/taxpayers HADN'T loaned HIS employer TARP money..... Your niece and DH might try contacting the Homeownership Preservation Foundation at (888) 995-HOPE (4673). The foundation's counselors are part of "HOPE NOW," an alliance between counseling agents, servicers, investors and other mortgage market participants approved by the U.S. Department of Housing and Urban Development, who provide free foreclosure prevention assistance. Another person I'd recommend is Dave Donhoff, the mortgage guy. He posts here somewhat regularly and is a wealth of information. Perhaps if you address your query to him, he might be able to be of some assistance. Below is a link to some additional information that might be helpful. Its nice of you to help your niece and DH. Best of luck to them. A link that might be useful: Mortgages: Mortgage Foreclosure Timeline for Day 1 through Day 415
Homeowners have several chances to stop the foreclosure process once it's started. Here are the details to help you keep your house. Facing foreclosure? Try a Workout.
If you're in trouble with your mortgage, here are steps to take to work out a solution with your lender. 8 Do's and Don'ts for Fighting Foreclosure
What to do and what to avoid in order to avert a financial disaster. www.stretcher.com/critical/index.cfm | 
