My husband has been out of work for over a year. We've used up all our saving for our mortgage and now we are 2 months behind. Will obama's mortgage modification work if we own a separate one vacant acre lot?::(

sure, I would love to give you my hard earned money

^ given that the sentiment is not mine alone how realistic is the nobama pipe dream?

The stimulus plan that Obama signed into Law helps homeowners under HARP (Homeowner Assistance Refinance Program) and also loan modification programs offer through your individual mortgage company. You can research what is available from the loan modification program at Fanniemae.com or Freddiemac.com website. There is an abundance of information, some fictional and some factual, however, the more research you do, the better you'll be when you talk with your mortgage lender. Depending on your situation, Obama's stimulus plan may offer you some temporary relief. Remember, there are allot of folks trying to get help, the more research you do, the more you know what's available to you, the better the result will be for you. Good luck and God bless!