There are very few financial transactions that reflect the vagaries of life in the United States as thoroughly as does a mortgage loan. Over the course of what is often a multi-decade financial obligation, homeowners typically face many changes such as job loss, health issues, marriage or divorce, and many other life events. Any of these could significantly impact a homeowner’s financial circumstances, and possibly his or her ability to honor their mortgage loan contract. While non-performing loans are certainly very troubling and costly for servicers, they remain committed to evaluating every possible option to help distressed borrowers stay in …