Former homeowner Brian Burns, who now rents an apartment in Henderson, Nev., says he "still sees a lot of empty houses" in Las Vegas, where about 20 percent of homeowners are still underwater in the wake of the housing crisis almost 10 years ago. Ethan Miller/Getty Images hide caption

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Ethan Miller/Getty Images

A Decade Out From The Mortgage Crisis, Former Homeowners Still Grasp For Stability

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Many experts say reducing mortgage principal can help troubled homeowners avoid foreclosure and stay in their homes. But the regulator who oversees two of the nation's largest mortgage holders, Fannie Mae and Freddie Mac, has rejected the idea. Justin Sullivan/Getty Images hide caption

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For sale signs on a foreclosed house in Glendale, Calif., last September. Kevork Djansezian/Getty Images hide caption

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Kevork Djansezian/Getty Images

Michel Martin talks with HUD Secretary Shaun Donovan

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A Financial Adviser Bets The House

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