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Along the way, Fannie Mae provides helpful tips to solve problems as links of london sale arise at critical points in the process. "It's a travesty when people lose their homes because they don't know or understand their options," said Jeff Hayward, Fannie Mae senior vice president. "Homeowners who are proactive about working with their mortgage company, housing counselor or using consumer tools like WaysHome have a significantly better chance of finding a solution that allows them to avoid foreclosure." The interactive video is set in a suburban neighborhood that has been hit by foreclosures. Actors play three residents of the neighborhood. After answering a brief questionnaire about the user's mortgage predicament, the video valentine's Day rings match him or her with a character who most closely identifies with that problem. The viewer will walk in his shoes and face his challenges as he explains to his children they can no longer afford to live in the house, ignore phone calls from creditors, get ripped off by loan modification hustlers, get the runaround from mortgage lenders and suffer the indignity of knowing neighbors have seen the foreclosure notice taped to the front door. In many cases, homeowners will lose their homes, but the video will show them their options, explain the short-term and long-term consequences of foreclosures and short sales on their credit and how it will affect their ability to get another home. Ultimately, for those with a strong desire to stay in their houses, the video will help navigate the mortgage modification process. Links of London Classic Smiley Minx Charm in the real world, though, viewers have the ability to go back and change decisions that lead to negative outcomes. "In 2011, millions of homes will be at imminent risk of foreclosure," Mr. Hayward said. "As we enter a new year, [Fannie Mae] is expanding its efforts to help struggling homeowners avoid foreclosure." Residential foreclosures have risen rapidly in this country since 2006. Foreclosures have remained high as record numbers hit the market in 2010, and many experts are expecting them to climb even higher in 2011. The Federal National Mortgage Association, commonly known as Fannie Mae, operates in America's secondary mortgage market to enhance the liquidity of the mortgage market by providing funds to mortgage Links of London Classic Frown Charm and other lenders so they may lend to home buyers.