Homes are succumbing to foreclosure on every street and home values are taking the plunge. The last few years have been quite rough on the housing market and the mortgage industry itself. While there is no question that mortgage lenders haven't always been fair or willing, they too have suffered a huge hit recently as efforts were stepped up to regulate practices and order restitution for any wrongdoing. As lenders transition over a new leaf, homeowners may soon find that their mortgage debt options are greater than ever before....