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There are signs that the $75 billion federal housing program announced in February is beginning to help some Valley homeowners. During the past week, housing counselors and mortgage brokers have started to see lenders adjust the interest rates and even principal on loans so borrowers can afford their payments. Foreclosures fell across metro Phoenix in March to their lowest level in a year. At the same time, more than 3,000 pending foreclosures were canceled. more…