FILE - A foreclosure home for sale is shown in this Aug. 22, 2006 file photo taken in Spring, Texas. Ten major banks agreed Monday Jan. 7, 2013 to pay $8.5 billion to settle federal complaints that they wrongfully foreclosed on homeowners who should have been allowed to stay in their homes. (AP Photo/David J. Phillip, File)

Associated Press
FILE - A foreclosure home for sale is shown in this Aug. 22, 2006 file photo taken in Spring, Texas. Ten major banks agreed Monday Jan. 7, 2013 to pay $8.5 billion to settle federal complaints that they wrongfully foreclosed on homeowners who should have been allowed to stay in their homes. (AP Photo/David J. Phillip, File)
FILE - A foreclosure home for sale is shown in this Aug. 22, 2006 file photo taken in Spring, Texas. Ten major banks agreed Monday Jan. 7, 2013 to pay $8.5 billion to settle federal complaints that they wrongfully foreclosed on homeowners who should have been allowed to stay in their homes. (AP Photo/David J. Phillip, File)
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