The reason there's no help for the home owners is that it isn't good for the bottom line of the GSE's or their shareholders. All of the fraud we've seen (and we've seen plenty considering we do our own internal audits)the one thing we're still not seeing is prison time for those involved. Seems if you steal a little you go directly to jail. If you steal massive amounts of money, crushing the country financially and illegally foreclosing on homes you get a free pass. We're in deep trouble here folks!