@Jessica Harriet, the Portland, ME real estate market is very hot right now and a rent stabilization effort is on the ballot in November.

Experience says, it's rarely worth the effort to help someone in a stuck state.  

It just takes more personal discipline to not spend the build up of cash and put it toward your home loan regularly - once a year or whatever works for you.Mortgage acceleration really depends on you having a surplus at the end of the month or pay period which can either accumulate in a line of credit or some other account you choose.If that's not where you're at, you may want to devote your efforts to a "debt snowball" first to pay down your unsecured debts first (3 to 5 years or more, depending), then go with the mortgage acceleration.Hope this helps ...

For my partnership, ultimately it was time to split because my partner no longer put forth any effort.

Instead of looking for a mentor, just find someone that is genuine and as you screw up ask them what they did when they were in your position because everyone was where you are now. 

The process required a fair amount of vigilance and time, but it was well worth the effort.

I don't think there was a concerted effort to offer loans to any certain racial segment of our population.  

is it worth the time effort and cost of direct mailing to public notices for foreclosure?

It's often the case that bettering your situation will create people who are unhappy with your efforts, but hopefully she'll open her eyes to the benefits and opportunities.

Would appear to be a rational effort to resolve the illegal subletting issue.