The federal programs Fannie Mae and Freddie Mac own or guarantee 58% of all single family home loans in the United States. In November the government announced that the two institutions would be used to modify loans for hundreds of thousands of borrowers to help them avoid foreclosure. However, buried in the loan modification agreements is a clause requiring homeowners to sign away their right to sue if the loan modification goes bad. Such waivers are common in class action suits, but are new to the world of loan modifications.