How life worked out for 4 Bay Area homeowners facing foreclosure

"... the pain has just begun, because far more mortgages are slated to reset in 2008. Experts now predict as many as 2 million more foreclosures nationwide over the next 18 months.

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Belief that fraud ran rampant in the mortgage lending system is strong, but few have been held accountable to date. That can be seen on a small scale in the four Bay Area stories: While all four homeowners say that fraud or misrepresentation occurred when they got their mortgages, there is no clear-cut way to prove it.