In todays trying times it is hard to decide what to do financially with the hardships many of us are facing and new solutions are being created in order to solve what American homeowners are currently financially facing. I work for a non-profit organization call Home Solutions of North America and a charter of HS4A which assist homeowners save their home by getting them into an affordable rate and payment. Stops foreclosure even up to the day of the sheriff sale. The program also can forgive lates and fees and if you have an upside down mortgage can reduce some of the principal on the mortgage. As a non profit company we are able to provide other services as well including credit repair, debt consultation and many other service to help homeowners and renters stay in their home. If you feel you would like more information you may visit www.myhsona.com/rdocherty