The "Save the Dream" Tour is traveling across the country, stopping in cities nationwide to rewrite contracts for people whose mortgages have become unaffordable. Thousands of homeowners at each workshop get interest rates reduced immediately, often drastically resulting in payments cut almost in half.

All the services are free. The Neighborhood Assistance Corporation of America (NACA) is a non-profit, community advocacy and homeownership organization. Their ability to restructure mortgages comes from agreements they have with many of the biggest lenders, like Wells, Chase, Citi, Bank of America and others.

The tour leaves Phoenix tonight heading for Las Vegas next weekend and San Francisco the following week.

Watch the 9-minute video about the group's formation and success across the country…