A group of concerned citizen are sending a strong message back to Washington.
Laura Miller of Las Cruces is sharing her story with the community.
"I'm very emotional about this whole situation," she said.
Miller is battling with her bank over one of her properties. It's taken her from a good standing to now facing foreclosure.
"In the modification they put me on trial payments, and I had no idea what that meant. I thought they were helping me. The difference between a trail payment and the original payment was accumulating and it created a forbearance situation, for the first time in July of 2010 the vice-president of the mortgage division at Bank of the Rio Grande told me that I was $11,000 behind in my mortgages," she said.
For 20 years, Miller had been paying her mortgage on time, every month. She was never late on any of her payments, but a move by her bank to qualify her for re-financing is caused more problems then she can handle.
"They had then, ruin my credit," said Miller.
Miller is not alone and so together Las Cruces leaders along with the www.moveon.org are pressuring the Obama administration to make sure companies like Fannie Mae and Freddie Mac change its policy to provide relief to the then million Americans struggling with mortgage debt.
Gil: "As home values drop and homes become under water where they are worth less then the mortgage that home owners is paying for, there is a big gap and I would like to see homeowners and bankers or whoever holds the mortgage to negotiate to bring down the price of that house and re-negotiate the payments on mortgage of that house," said Gil Sorg, Las Cruces City Council.
The organization recently held various Save Our Homes rallies across the country.
"People lose their homes so it hurts neighborhoods badly. Those families kind of have to reset and find places to live. People who've invested in mortgages instead of getting the most money return for that bad mortgage threw a re-negotiation they end up losing twice as much with a foreclosure so an investor who bought securities, it hurts my bottom line. The final thing is if I have a lower mortgage payment that puts money in my pocket that I can spend in the local economy and its more money that's far more affective than tax break, we can give in terms of putting money into the consumer's pockets," said State Senator Steve Fischmann.