ed swartz is here to do the honor. >> all those who are standing and willing, please stand.d, prayer is a gift. we're thankful for this opportunity. we have expressed interest in things that happen on earth, here in the united states, and in indiana. we thank you for those in government who have a heart for you, for people, and for doing what is right. we pray for him. please continue to give him a grace and strength every step of the way. please be with him and his wife and family. protect them and keep them from harm. there are always things that try to get into our lives that are spiritual in nature or emotional or physical. we. the protect him and his family. we're thankful for his heart for the military. we're thankful for his heart for family. we're thankful for his heart for pro-life and the things that will be instrumental in the issues related to marriage. we're thankful for these things. above all, father, we. your name would be glorified in everything that happens. we pray that we would all express ourselves with respect. in jesus' name, amen. >> if you would, rem

. >> our second witness is miss swartz, the executive director of the hope now alliance. a coalition of counselors and other mortgage market participants. >> good morning. i am the executive director of the hope now lines. i appreciate the opportunity to speak for you today to discuss the mitigation efforts on the lake. we are a nonprofit alliance working to reach an help as many homeowners as possible stay in their homes. many servicers are participating in the program and the alliance is working with the administration in implementing and improving the program. this is an important tool. people are working for homeowners that cannot qualify. also members are continuing outreach for people who helps the shall meet at we have a new need -- we are working to assist homeowners who want to stay in their homes. first, i want to clarify that this is not a voluntary program the services are required to evaluate all loans for eligibility. many have been reported a child on -- trial modifications. all these people are making lower payments. we have suggested that some improvement