FILE - In this Oct. 16, 2009 file photo, homeowners get help from a counselor at the Cow Palace in Daly City, Calif. Thousands of home owners turned out to an event sponsored by Neighborhood Assistance Corporation of America (NACA), a Boston-based non-profit helping people to re-structure high risk loans. After a slow start, the Obama administration's mortgage relief program has reached one in five eligible homeowners, a government report said Tuesday, Nov. 10, 2009.(AP Photo/Marcio Jose Sanchez, file)