(RECAP: Collaboration between the private and public sectors has resulted in 8 million non-foreclosure solutions completed for at-risk families since 2007, according to HOPE NOW, a voluntary alliance of mortgage servicers, investors, mortgage insurers, and nonprofit housing counselors. HOPE NOW reports approximately 181,000 homeowners received permanent loan modifications from mortgage servicers during the third quarter of this year—136,000 of which were proprietary and 45,136 HAMP mods.)