My name is John W. and Iand#226;and#128;and#153;m here to tell you what most banks and mortgage loan servicers donand#226;and#128;and#153;t want you to know: More than 65 million homes in the US may not be subject to foreclosure after all, and your home is very likely one of the and#226;and#128;and#156;safeand#226;and#128;and#157; homes.