After the subprime mortgage debacle, have we learned that quick-turnaround mortgages to customers with low credit scores are always too good to be true? One enterprising entrepreneur says NO, and he has some success to back it up. NOW on PBS takes a look at the non profit organization "Just Price Solutions" and the man behind it, Brian Cosgrove. Cosgrove created a new mortgage model that, in his view, marries the speed and efficiency of the subprime model to safe lending practices including homeownership counseling and fixed rate mortgages. Cosgrove says the new system helps prevent foreclosures and safely protects individuals from predatory subprime lenders, but not everyone agrees. Some feel home ownership is oversold in America and that this mortgage enterprise is still risky business. Can Just Price Solutions place and keep people in affordable homes, or is this another cautionary tale in the making?