doug and mary jeffreys are fighting to keep the home they built from scratch eight years ago. this is the american dream. we worked very hard. and at the end of the day when you good home, you want something nice to go to. reporter: the person leading them through the battle is patrice simms, a foreclosure prevention counselor who works for church s community development corporation. i do have the jeffreys in the room. reporter: today she is on the phone with the jeffreys bank, pushing for a decision oa request to lower their monthly mortgage payments. their current mortgage is about $4,000 a month. basically, we just have to wait a couple days for that appraisal to come in and then i will submit the file. okay. what is your feeling? you know what? i really can t say. we just have to wait and see. reporter: one in ten black