mortgage and make it affordable. >> and remember when i mentioned life circumstances. we met one man, terry gerald. he has been looking to buy a home for years now. the tarnish on his credit is he went through a divorce years ago. he hasn't been able to get a good rate and he tells us he knows plenty of people in a similar situation. here is what he he told us. >> it affects them personally and business wise because of the credit market the way that it is. people cannot get credit. it is really tight at the moment and programs like this will help people to either refinance their homes and get a better situation or to purchase a home. >> so what is in it for the banks? what are they getting out of it? >> basically they tell us they don't make any money when people go into foreclosure. it is a win win not only for home owners and home buyers but also the banks. >> shannon: hopefully it is a