By Rachel Labush* I am a staff attorney at Community Legal Services of Philadelphia where I defend low income homeowners in foreclosure. By saving my client’s homes through loan modifications, I am holding the mortgage companies to the contracts that they have signed and the laws that govern their conduct. Federal Housing Administration (FHA) loans help provide safe, affordable access to homeownership for low- to moderate-income and minority borrowers, as well as first time homebuyers. …