Is this just another scheme that could in fact leave homeowners worse off?

A:

No.  We have developed a series of ten core principles that any program must meet to get our support.  One of those principles is that no homeowner should be left worse off as a result of the program, and another is that it is a voluntary program.  We believe that if the program is designed correctly, only those homeowners who benefit will opt into the program. 


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