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Portola Hills and Ladera Ranch are among the housing communities hardest hit by the market crash, but misfortunes in these communities need not be compounded by foreclosures.

A recent report by FICO reveals the grim outlook held by banking professionals on the housing market. If these professionals are right, it does not mean that homeowners need to feel trapped in a terrible mortgage.

For homeowners on the arduous journey toward foreclosure, the recent halts aren't a permanent stop in paradise but a temporary oasis.