Past efforts have excluded homeowners who continue to pay their loans. The Obama administration says the earlier those in trouble can get help, the more chance for long-term success.

• 以前的一些计划都没有将那些继续还贷的房主考虑在内。奥巴马政府指出，陷入困境的房主越早得到帮助，越有可能获得长期成效。