When that isn't possible, she tries to minimize the damage to the homeowners' credit by finding a way for them to sell or walk away from the home without foreclosure.It's a job she took over a couple of years ago from Carlene McDuffie, who owns Palm III Realty, the Nassau County real estate company where Silva works."She said she felt like giving back to the community," McDuffie said of Silva, who points to her religious beliefs as her motivation.It isn't a job someone does for the income, McDuffie said. Titanium then sends people like Silva to work with the homeowners to avoid foreclosure."The first goal is home retention," Silva said.She said she works with the mortgage company to see if it's possible to rework the terms of the loan. But most people she helps as a loss mitigation consultant and home retention specialist are referred not by a newspaper story but by Titanium Solutions.Titanium's clients are mortgage companies, which contact Titanium when homeowners fall seriously behind on their payments. And Silva, a Nassau County real estate agent, often works with people who have fallen seriously behind on their mortgage payments.Now she is trying to help Campbell, who has been given an extension by his mortgage company. When Sharon Silva read a Times-Union story about David Campbell's dilemma, she wanted to help.Campbell, a Yulee resident under hospice care for terminal cancer, was facing possible foreclosure.