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Six U.S. Banks Plan New Efforts to Stem Foreclosures (Update1)
By Alison Vekshin


Feb. 11 (Bloomberg) -- Bank of America Corp., Citigroup Inc. and four other lenders will announce new steps tomorrow to help borrowers in danger of default stay in their homes, according to three people familiar with the plans.
The banks will offer, on a case-by-case basis, a 30-day freeze on foreclosures while loan modifications are considered, two people said on condition of anonymity. The initiative will apply to customers who are 90 days or more late on their loan payments and include prime borrowers, as well as those with poorer credit histories.
The move follows pressure from Treasury Secretary Henry Paulson, who last week urged lenders to follow through on earlier pledges to modify loans. Democrats in Congress at hearings the past two weeks called for stronger actions, complaining that the number of homeowners receiving relief so far has been insufficient to avoid a wave of foreclosures.
``There is this huge disconnect between what is being represented by the industry and what is being experienced on the ground,'''' said Kevin Stein, associate director of the California Reinvestment Coalition, a San Francisco-based housing activist group. ``Borrowers are falling through the cracks while more and more of these press releases come out. It''s clearly not enough.''''
JPMorgan Chase & Co., Wells Fargo & Co., Washington Mutual Inc. and Countrywide Financial Corp. will also participate, the two people said. All six are members of Hope Now, the alliance of lenders, servicers and counselors formed last year to head off a surge of foreclosures.
`Just Too High''
Fed officials project about 2 million homeowners face higher mortgage rates over the next two years as their loans reset higher. Economists at the Federal Deposit Insurance Corp. estimate foreclosures this year will be about 1 million more than average, a level that FDIC Chairman Sheila Bair has said ``is just too high.'''' Foreclosures average about 600,000 in a typical year.
Paulson and Housing and Urban Development Secretary Alphonso Jackson will discuss the plans at a press briefing tomorrow, scheduled for 11:15 a.m. in Washington.
The six companies met with Treasury officials over the past week to discuss ways to encourage homeowners to get in touch with their mortgage servicers, one person familiar with the deliberations said.
Worst Since 1982
Declining house prices have made it harder for some borrowers to refinance as the value of their homes drops, in some cases below the amount of their mortgages. The worst housing recession in a quarter century is pushing the U.S. economy to the brink of recession.
``The housing correction, high energy prices, and capital market turmoil have combined to weigh on near-term growth,'''' Paulson said at the conclusion of a weekend meeting of Group of Seven finance ministers and central bankers in Tokyo.
The accord among the six banks is the latest effort backed by the Bush administration to rescue borrowers at risk of foreclosure. In December, Paulson negotiated a deal with lenders that would freeze interest payments on some subprime loans for five years.
Democratic Senator Christopher Dodd of Connecticut, chairman of the Senate Banking Committee, is exploring the creation of a federal program to buy and restructure delinquent and near- delinquent loans ``to help many borrowers as quickly as possible.'''' House Financial Services Committee Chairman Barney Frank of Massachusetts has also favored the proposal.
Reuters reported the latest agreement earlier today.

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