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** FILE ** A foreclosed house with a sale-pending sign is shown in Tigard, Ore., in March 2011. (AP Photo/Don Ryan)

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** FILE ** A foreclosed house with a sale-pending sign is shown in Tigard, Ore., in March 2011. (AP Photo/Don Ryan)

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** FILE ** A foreclosed house with a sale-pending sign is shown in Tigard, Ore., in March 2011. (AP Photo/Don Ryan)

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**FILE** Sheila Lloyd (right), who is facing foreclosure, stands March 24, 2011, outside City Hall in Philadelphia. (Associated Press)

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