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Once the city has bought the homes – whether by agreement or through eminent domain – it plans to restructure the mortgages so the present occupants can stay in them. The loans will be reset to a price close to current market value, and the payments will be reduced accordingly. Homeowners, instead of being underwater, will now have a small amount of equity in the property. They will have both the means and the incentive to stay current on the loan going forward.