More people are likely to get financial institution loan refinancing than via the government. Troubled homeowners, under certain conditions, could apply through a government-run program for mortgage refinancing. It has not been that big a success. As a result, banks are stepping into the void to modify the mortgages of customers on their own. That isn't really all to the story though. There is a downside. It turns out that private refinancing are less successful than government modifications. Homeowners...