President Obama's foreclosure plan is failing big time because most people in foreclosure needed to pay Mortgage Insurance and banks are refusing to re- negogiate loans with Mortagage Insurance tied to them. I was told I would be too risky to do this by Wells Fargo. See it was OK for Wells Fargo to tell me they could lend money to me for the mortgage and charge me mortgage insurance that way they could make money off me but when I needed help they were no-were to be found. The banks are adding this requirement (that you not have mortgage insureance) to the Obama Foreclosure Plan and most people who need help are already paying mortgage insurance so they dont qualify. The banks have found a way around the rules again.