Program 3648 is BGS3’s nationwide campaign to certify qualified real estate professionals to assist homeowners facing a potential foreclosure. Program 3648 was announced on January 29, 2008 by Chief Administer John W. Davis, stating, ``President Bush has provided a much needed solution to the national foreclosure problem in signing H.R. 3648 -- The Mortgage Forgiveness Debt Relief Act of 2007, but the sub-prime mortgage problem continues to affect most markets nationwide. The critical next step is locating and certifying a ground army of concerned professionals who can reach out to the multitude of homeowners who desperately need relief.”

There has been a substantial increase in numbers of families affected by adjusting interest rates on sub-prime mortgages. Subsequently, foreclosure rates continue to rise. Program 3648 Certified Representatives have been working to educate homeowners and their families on their rights and options.

Kenn Lewis, Co-founder of BGS3 and Program 3648, states, ``While much has been said in the media to further educate the public about their options when facing foreclosure, the vast majority of individuals in this situation simply don't know where to start. Program 3648 was enacted to handle the processing for qualified homeowners to either keep their home or go through a short sale.”

BGS3 understands that homeowners facing foreclosure are usually very concerned about their credit, and will sometimes not seek out help because they think it will cost too much. Lewis addresses this issue.

“There is no cost for the program, and the homeowner never needs to worry about future billing. With caring, well-educated, experienced professionals administering the program on a national scale, our mission is to help thousands of homeowners avoid foreclosure.''