I do work for a company that is hired by lenders to go out and work with owners to help them keep their homes when they are behind in payments. There is no charge to the owner and my fees are paid by the lender. Often I find that the client I am assigned to contact has been deluged by "fee-based" companies who claim to be able to help them keep their homes. The owners are thrilled when I show up at the door with a service that is absolutely free to them courtesy of their lender.
The word needs to get out that lenders are eager to work with their clients to modify loans so that people can make their payments and stay in their homes. Under the Obama plan, lenders receive incentives to modify loans and help people avoid foreclosure. Realtors can have a great impact when they spread this word with their clients.