FILE - This Dec. 2, 2011, file photo shows homes for sale in The Lakes area in Las Vegas. Amid the many government programs to help people on the brink of foreclosure, the Nevada Department of Business and Industry believes it has one that fatigued homeowners will pay attention to. The Home Means Nevada relief program involves the state creating a $150 million nonprofit that would buy up hundreds of mortgages and help owners refinance. (AP Photo/Isaac Brekken, File)
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