As the result of a three year campaign, ACORN members reached an agreement in 2002 with Household Finance and Beneficial, subsidiaries of Household International, to set up a Foreclosure Avoidance Program. This program helped thousands of Household/ Beneficial borrowers keep their homes and reduce the costs of their loans. A Fresh Start Program helped those who had already lost their homes obtain a new affordable mortgage. The companies also agreed to reform their home lending practices going forward to be more affordable for borrowers.