The Center for Responsible Lending contends that within five years 13 million foreclosures will occur in addition to the nearly 5 million since the recession began. Yet President Obama in his 71-minute State of the Union address puzzled home counselors across the nation by failing to mention, even fleetingly, the growing foreclosure crisis.

As a result of mounting criticism the president recently announced, with Sen. Harry Reid in Henderson, Nev., that he would support a creative, though grossly underfunded, homeowner relief program. It provides $1.5 billion for homeowners whose mortgages are deeply underwater, or who are unemployed, in five of the hardest-hit states: California, Florida, Michigan, Arizona and Nevada.

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