On May 9, 2013, John W. Schoen writes on CNBC:
Five years after the mortgage meltdown sparked a wave of home foreclosures, millions of Americans are still in housing “limbo,” battling to save their homes despite government programs meant to help them.
Despite what you hear in the news about prices recovering, the situation remains grim for people in the real world. The HEC is described in this free download: http://www.cesj.org/homestead/strategies/national/homeequitycorp.htm