It is my understanding that in order to be helped by this so-called bailout, I call it theft, you have to be current on your mortgage.  I think this won't generate work for us, because our all-knowing government will modify these loans, and that does not require a title search.  The first time I go into a courthouse and see a mortgage modified, reducing the amount of the principal and interest rate, for a idiot that should not have gotten a mortgage to begin with, I intend to call my mortgage company and have a serious talk.  I am soooo utterly pissed off about this.  I work foreclosures every day, for FnMA too.  I searched a title for foreclosure last week.  These people bought a house in 2005 for $205,000.  It is now assessed at $140,000.  The got 100% financing.  In 2006 they got a 125% loan for $251,000.  These people did not have a dime in this property.  It is now empty, and being foreclosed.  It is listed with a real estate agent.  I called out of curosity, and the agent told me it was a great deal.  The bank would take a short sale for $200,000.  WHAT A DEAL!!!    And I am suppose to feel sorry for these people!!!!  Get a grip.