Companies report that many employees are reluctant to relocate because of the depressed housing market. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

A house under foreclosure that is now bank-owned in Las Vegas. Many homeowners facing foreclosure remain skeptical about offers of assistance. Mark Ralston/AFP hide caption

itoggle caption Mark Ralston/AFP

Grace Chen and her husband, Antonis Orphanou, stand outside their home in Mountain View, Calif. Courtesy Grace Chen hide caption

itoggle caption Courtesy Grace Chen

Realtor Teresa Sciubba (left) talks to real estate investor Kristin Gragg outside a foreclosed property in Chandler, Ariz. Matt York/AP hide caption

itoggle caption Matt York/AP

Homeowners speak with bank consultants in Los Angeles in September at an event put on by the  Neighborhood Assistance Corporation of America. The organization's CEO, Bruce Marks, says foreclosure suspensions at three major banks and several states may actually help stabilize the economy. Mark Ralston/AFP/Getty Images hide caption

itoggle caption Mark Ralston/AFP/Getty Images

Some landlords have eased their credit standards to allow people with credit blemishes from foreclosures to rent apartments -- a practice that was largely taboo in the past. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

A "bank owned" sign is posted in front  of a foreclosed home in Miami. Borrowers trying to rebuild their lives after foreclosure say there's a stigma attached to having a low credit score. Joe Raedle/Getty Images hide caption

itoggle caption Joe Raedle/Getty Images