(Washington, DC) Thanks to a legal agreement between the Neighborhood Assistance Corporation of America (NACA) and Countrywide Financial Corporation, tens of thousands of homeowners at risk of foreclosure will now be able to keep their homes by restructuring loans to what the borrower can afford. Other lenders are in talks with NACA about a similar plan for distressed homeowners.

美国一直渴望解决抵押贷款危机。国会议员非常喜欢这个想法，他们邀请 NACA 和 Countrywide 高管于 11 月 2 日星期五在众议院金融服务委员会面前解释这一历史性协议^nd. 

马里兰州盖瑟斯堡的泽娜·柯林斯 (Zena Collins) 欣喜若狂，得知一旦每月付款变得负担得起，她的家人就可以住在他们梦想中的家中。 “……我感觉我又可以呼吸了。我可以过上自己的生活，而不必担心这个月是否可以支付抵押贷款和费用？我现在可以支付一切。很难相信……” “其实我还是有点震惊。我的付款是 $2,200，每月 11%。我的新付款是 $1,368，利率为 6%。” 

NACA CEO Bruce Marks and Countrywide executives hammered out the agreement after a marathon 48 hour negotiation at NACA headquarters in Boston recently.  The result: A breakthrough in foreclosure prevention.  Homeowners save their homes without enormous fees and investors get a return without having to go the expensive route of foreclosure.  “…this is the most effective solution to the subprime lending crisis.  It’s not only revolutionary…but given the circumstances it is a win-win for all the parties and provides the best opportunity to maintain stable neighborhoods and avoid a recession,” said Marks.

该计划基于 NACA 全面的 Home Save 方法，其中包括个人咨询和制定书面负担能力预算。 NACA 将与到 NACA 寻求帮助的 Countrywide 借款人合作，制定最有效的拯救家园计划，然后将该计划提交 Countrywide 实施。

Countrywide 协议已经对房主的贷款重组至低至 5% 产生了巨大影响。

“Both Countrywide and NACA want to make homeownership a reality and homeownership preservation a priority,” said Sandor Samuels, Executive Managing Director of Countrywide. “NACA’s methodical approach to counseling and family budgeting will be invaluable to Countrywide borrowers who are struggling to keep their homes.”

寻求止赎预防工具和资源的借款人可以：

• 请访问 www.naca.com 或致电 1-888-302-NACA 访问 NACA。

关于美国邻里援助公司（www.naca.com)
NACA 是一个全国性的非营利社区倡导和房屋所有权组织，成立于 1988 年，一直是识别、揭露和反对掠夺性贷款和剥削性贷款行为的主要组织。 NACA 于 1991 年首次揭露了舰队银行的贷款滥用行为，随后又发起了许多针对那些伤害追求拥有房屋梦想的中低收入人群的公司的活动。

NACA provides one mortgage which is the best in the country requiring no downpayment, no closing costs, no points, no fees, no perfect credit at a below market interest rate, currently 5.375% 30 year fixed. NACA has $10 Billion committed to this mortgage with more than 30 offices across the country providing working people with an unmatched program and national model for doing mortgage lending the right way. NACA’s program and advocacy have been featured in the national and local media nationwide. In April 2007, in response to the subprime lending crisis, NACA committed One Billion dollars to refinance homeowners out of their unaffordable loans, constituting the largest commitment to homeowners to date.