One the country's largest banks announced it will reach out to 500,000 distressed home owners to modify loans.
Vino Pajanor of the Housing Opportunities Collaborative, which conducts free home clinics around San Diego County, said Citigroup's plan is the best yet.
"It reaches out to homeowners who aren't in default yet, but could be facing trouble," he said.
Pajanor said it is an encouraging trend, with JP Morgan Chase making a similar announcement earlier this month. Home loan counselors in his group have seen more lenders willing to modify mortgages, even for people who haven't defaulted on their loans.
Homeowners having difficulty paying their mortgage can particpate in a free home loan clinic this Saturday, put on by the Housing Opportunities Collaborative. To take part, register at Housing Collaborative.org.