State Senate President Pro Tem Darrell Steinberg, D-Sacramento, is thanked by homeowner DeAun Tollefson, after he helped get homeowner protection legislation approved by the Legislature at the Capitol in Sacramento, Calif., Monday, July 2, 2012. The legislation would require large lenders to provide a single point of contact for homeowners who want to discuss loan modifications, prohibit lenders from foreclosing while the lenders consider homeowners' request for alternatives to foreclosure and let California homeowners sue lenders to stop foreclosures or seek monetary damages if the lenders violate state law. Tollefson's is facing the loss of her Sacramento home due to foreclosure.(AP Photo/Rich Pedroncelli)