Sat Jul 5, 10:12 AM ET In this May 9, 2008 file photo. a foreclosure sign stands outside a home in Denver. The optimism that surrounds a new president taking office cannot resurrect home values overnight, and presidents have no direct ability to reduce rising mortgage rates. Nevertheless, Democrat Barack Obama and Republican John McCain both promise help for homeowners facing foreclosure.(AP Photo/David Zalubowski, File)Home foreclosures will keep rising next year no matter who is elected pres

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