"Who owns my mortgage?"

The city of Pontiac, Mich., showed off some of its former foreclosed homes this week, polished with federal dollars and featuring new kitchens, bathrooms, windows, flooring and roofs.

QUESTION: I heard in the State of the Union address that President Barack Obama has a new plan to fix the mortgage situation and help struggling Americans. I'm also having some problems with my mortgage, and my property is underwater. Is this plan going to finally save me?