Many experts say reducing mortgage principal can help troubled homeowners stay in their homes. But two of the nation's largest mortgage holders, Fannie Mae and Freddie Mac, have not signed on to the idea. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

Federal Reserve Chairman Ben Bernanke is testifying before a House committee Wednesday about what the Federal Reserve has done to help the economy. Jim Watson/AFP/Getty Images hide caption

itoggle caption Jim Watson/AFP/Getty Images

Dan Grohs (left) with real estate agent Pat Paulson in front of a foreclosed Minneapolis home. Grohs hopes to buy the house with cash. Annie Baxter/NPR hide caption

itoggle caption Annie Baxter/NPR

A woman takes in the sunshine while reading in Central Park on Feb. 1 in New York City, where temperatures topped 60 degrees. Mario Tama/Getty Images hide caption

itoggle caption Mario Tama/Getty Images