LAS VEGAS -- It's no secret that Las Vegas almost tops the nation in foreclosures.

So this weekend, the city is bringing in two top mortgage lenders to work one-on-one with struggling homeowners.

Las Vegas officials have been working for months to find ways to help residents who have defaulted on their mortgages and are inching their way toward foreclosure. On Friday, help arrived.

“A lot of people have been hearing about the federal bill that passed, which did not help people stay in their homes. So, what we wanted to do was figure out what could be done to keep borrowers in their home,” said Lisa Morris, of the city of Las Vegas Neighborhood Services.

The city recruited representatives from Fannie Mae, Countrywide and Bank of America, who all convened at the Centennial Hills Community Center and met face-to-face with more than 300 struggling homeowners.

“As you know, foreclosure is not a cookie-cutter situation, so some people may have a loss of income. Others may have an ARM resetting, so the lenders will work with them to figure out what's the best approach,” Morris said.

So, is this workshop actually helping people stay in their homes? One couple said that Countrywide changed their mortgage from an ARM rate to a fixed rate and also lowered the principal on their mortgage. Another woman said she didn't have the same luck.

“I was looking for help, because I can't make my mortgage payment,” said Marna Parker.

Parker is a single mother of two. She said she lost her previous job at a major national bank over a year ago, and her new job doesn't pay enough for her to make her mortgage payments.

“I’m hoping that they will lower my interest and also lower my payments. I'm not expecting them to forgive my past due amount,” Parker said.

She sat down with Countrywide, who told her she'll have to wait two weeks for a decision.

“At least I know I spoke to somebody face-to-face, and they know my situation, and they're willing to look at everything,” Parker said. “It'd be a great Christmas present, right? It would be a wonderful Christmas present if they give me some good news and let me stay in my house.”

The workshop runs from 9 a.m. until 3 p.m. Saturday.

It is only for mortgages through Countrywide or Bank of America.