Mike Johanns: “The risk of foreclosure continues to affect too many Americans.”

I just hope we are not over-engineering something here.

Somehow we have got to figure out a better way, because at the most important time in this person's life, when they are crying out for help, it should be a simple, straight-forward pathway to access that help.

I will continue to push this legislation, but many of its provisions are things that HUD has the flexibility to implement on its own.

But to anyone who might be listening in who is wondering if is it time to give up, it is not.