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Mortgage modification programs undermine those who work hard to stay current

Some of the most popular web searches online includes the word "mortgage"  and "refinance". So many people are struggling to make ends meet, that the government has started a program to help.

The "Save the Dream" tour, run by the Neighborhood Assistance Corporation of America (NACA), helps families get their house payments under control in order to impede the foreclosure process. The problem is, they only help those who are so far behind that they are actually close to losing their homes. The homeowners have the lengths of mortgages changed, their interest rates dropped to as low as 2%, and whatever else it takes to help them save their house.

Those Americans who, despite the struggling economy, continue to live below their means and make their payments, are out of luck. 

For more on this story, including an interview with someone who was helped, click here.