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Senh: Until banks are willing to reduce homeowners' principals, this will continue to be high. Home values have dropped so much, it's just not worth it to keep them. Also, banks like Bank of America need to get their act together. All they're doing regarding loan modifications is pay lip service to the government. So little loan mods are done, you wonder what they're doing with all the billions the government gave them. Oh wait, that's right, they're giving their execs bonuses for doing such a piss-poor job.