This month has been wet and going by quickly. It’s almost February. I hope this year be better for all. It’s seems to be better. Last week FHA has announced that they have guidelines for lenders to help homeowners who are having a hard time with their payments, due to unemployment, loss wages, etc., and are not behind on their payments. This is part of President Obama’s new law “The Helping Families Save Their Home Act of 2009”. In the past, many home owners had to be late before the banks would assist them with their problem.