Neighborhood Assistance Corporation of America CEO Bruce Marks is offering the first batch of these "wealth building home loans" to homebuyers through his nonprofit organization. Damian Dovarganes/AP hide caption

itoggle caption Damian Dovarganes/AP

Conrad Goetzinger and Cassandra Rose struggle to pay their bills as $760 is garnished from their paychecks every two weeks by debt collectors. Twice, Goetzinger's bank account has been emptied by collectors after he failed to payoff a loan for a laptop. Eric Francis/AP for ProPublica hide caption

itoggle caption Eric Francis/AP for ProPublica

Kevin Evans relaxes in his small apartment after arriving home from work. Evans, who lost income and his home in the recession, is now having his wages garnished after falling behind on his credit card payments. Colin E. Braley/AP for ProPublica hide caption

itoggle caption Colin E. Braley/AP for ProPublica

Mel Watt, director of the Federal Housing Finance Agency, says many homeowners who could qualify to refinance their mortgages under HARP are suspicious. Jacquelyn Martin/AP hide caption

itoggle caption Jacquelyn Martin/AP

Marissa Szabo, 26, and her boyfriend are moving into Szabo's mother's house. The couple is saving up for a down payment. Chris Arnold/NPR hide caption

itoggle caption Chris Arnold/NPR