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TUCSON-An organization is giving hope for struggling homeowners.

NACA, Neighborhood Assistance Corporation of America, is in town helping homeowners apply for reduced payments, something that many people are calling a life saver.

NACA representatives are meeting with homeowners walking them through each and every step so they have a better opportunity of modifying their loan.

This past year has been a hard one on Teresa Hayes.

"I was diagnosed with stage 4 cancer," said Hayes.

And after being gone on medical leave for her treatments, she lost her job.

"Because of my cancer, they had to get someone else, and I ended up on disability," she said.

Her husband, a veteran, also lost his job during the economic downturn.

He's now working at a lower paying job.

"We are now down to a point where we can't afford our home anymore," said Robert Hayes.

Their 250 thousand dollar home is now worth half of that, but they are still making the same payments as six years ago.

Even after pleading with the bank, they said their bank won't lower their monthly payments.

"It had everything we wanted, and it still has everything we want, but they would rather work with a stranger than work with me," said Hayes.

Teresa said the possibility of leaving her three kids without a home is too much to bear.

"It's home," she said sobbing.

Their hope is during this event, they can persuade the bank to help them out.

During this event, struggling homeowners meet with underwriters who can make key decisions for the bank.

"When we get situations like that folks like that, and we can put them in front of the bank, explain to them that even though they are current. They are robbing Peter to pay Paul the struggles that they are going through it makes a world of difference," said Rick Herrera with NACA.

For Teresa and her family, a modified loan would make all the difference.

"The thought of packing and finding some place to live while I'm on chemo... I'd really rather not," she said.

The event will be going on at the Tucson Expo Center through Tuesday from 8 a.m. to 6 p.m.

The address is 3750 E. Irvington Road in Tucson.