One organization, called Hope Now, says it helped one point two million troubled home owners, from July to February. During those same months, 419,000 borrowers lost their homes to foreclosure. But, analysts say the problem lies with the way 'Hope Now' breaks down its numbers into 2 categories -- repayment plans and loan modifications. Repayment plans give borrowers more time to make up missed payments. Loan modifications change the terms of the loan, reducing principal, interest rates or both. Out of the 1.2 million loan workouts, more than 800,000 of them were repayment plans, which experts say doesn't help the problem since borrowers are in trouble because they couldn't afford their original monthly payments in the first place.