Older homeowners on low fixed incomes are being left out of mortgage modification programs and are facing foreclosure, legal-aid advocates and AARP attorneys say. Many of these homeowners were sold loans, often fraudulent, that they could not afford. Because so many of them now live solely on Social Security, their incomes are too low to qualify them for most mortgage relief programs. To help these elderly homeowners keep their homes, lenders would have to rescind loans or reduce the principal amount of the loan. The Wall Street Journal profiles several older homeowners who are facing foreclosure.